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Homeowners insurance can be confusing to buyers because it’s not a single type of coverage. Rather, it’s a collection of different coverage types that protect your home and belongings against a number of perils. To help you understand what a homeowners policy entails, below is an explanation of what kinds of coverage you can expect from your coverage.

A Brief Guide to Homeowners Insurance

1. The Structure of Your Home

Dwelling coverage protects the walls, ceiling, roof, and other structural elements of your home against damage by storm, fire, vandalism, falling objects, and other dangers. However, normal exclusions include damages caused by flood, landslide, sinkholes, or earthquakes, but you can usually purchase extended coverage to protect against these for an additional amount.

2. Your Personal Belongings

homeowners insurancePersonal items like clothing, furniture, appliances, electronics, and other belongings are also covered against damage, destruction, and theft. You may need a rider—an additional coverage term that “rides” on your primary policy—to cover certain items of high value like jewelry, artwork, or collectibles. Ask your agent what your limits are and if you need additional protection.

3. Additional Structures

Homeowners insurance usually covers additional structures on the property. Attached structures like decks and built-on garages are usually covered automatically, but you may need additional coverage to protect detached structures like fences, sheds, or other outbuildings, depending on the insurer.

4. Liability

Homeowners insurance guards you against liability in the event that you or a member of your household should accidentally injure someone else or damage their property. This includes pets, so if your dog should bite a neighbor, your homeowners policy will pay for medical treatment and any legal fees resulting from the incident.


For invaluable advice about your homeowners insurance options, contact Sun Valley Insurance in Indian Trail, NC. They've been serving clients in and around Union County since 2010 and specialize in home, auto, and life insurance coverage. To talk to an agent in person, visit their website to view location details and office hours. Or you can call (704) 282-1155 to request an affordable insurance quote.

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