What's Covered Under a Standard Home Insurance Policy?

By Nancy B
January 19, 2022

You may be wondering how your homeowners insurance can protect your home from Virginia's challenging weather. Every home insurance policy is different. While you decide your policy's limits (the total amount your insurance company pays on a claim) and deductibles (the portion you pay on a claim), a standard homeowners policy offers valuable coverage and protects you and your family from unpredictable, severe weather and a whole lot more. Take a look:




What Does Homeowners Insurance Cover?

A standard homeowners insurance policy can provide coverage to repair or replace your home and its contents in the event of damage. Damage to your home can result from fire, smoke, theft or vandalism, or a weather event such as lightning, wind, or hail. Other covered damage could come from other things like a falling tree. 
That coverage includes appliances, furniture, clothing, and other possessions. Coverage for outbuildings on your property, such as a garage, barn, or shed, along with outdoor grills or fireplaces, swing sets, walls, or fences is also included. A swimming pool or other recreational equipment may also be covered, but those higher-risk items may require additional liability coverage or may be excluded from your policy.
house with bad fire damage
You can also be covered for living expenses if you need to find alternate lodging while your home is rebuilt. Liability coverage, or reimbursement for medical expenses and legal fees if people that are not living in your home are injured on your property, can be included as well.
Keep reading our blog to find out how much home insurance you need and talk to your local independent agent about your home insurance coverage. It's important to regularly review your home insurance policy to meet your changing life needs.