What Does Homeowners Insurance Cover?

Homeowners insurance may provide several types of coverage to help protect your home and belongings, including:

Dwelling Coverage

Dwelling coverage can help protect the structure of your home against certain covered losses.

Coverage limits should generally reflect the estimated cost to repair or rebuild the home, subject to the terms and conditions of the policy.

Other Structures

Coverage may be available for certain structures on your property that are separate from your home, such as detached garages, sheds, or other eligible structures.

Personal Property

Personal property coverage can help protect covered belongings such as furniture, clothing, electronics, and other personal items against certain covered losses.

Coverage limits and covered causes of loss vary by policy.

Personal Liability

Personal liability coverage can help protect you against certain claims involving bodily injury or property damage for which you may be legally responsible.

Coverage may also include certain related legal expenses, subject to the policy terms and limits.

Who Needs Homeowners Insurance?

Homeowners insurance may be appropriate for Florida residents who own and occupy an eligible residential property as their primary residence.

Coverage availability depends on factors such as:

• Property location
• Construction and age of the home
• Property condition
• Insurance history
• Coverage requirements
• Insurance company eligibility