What Does My Home Owners Insurance Cover?

Good question. This can get very detailed but basically your homeowners insurance is made to cover:

1. The structure of your home

2. Items in your home

3. Costs for living expenses if you can't live in your home because of a covered loss

4. Bodily injury or property damage you cause to others (including court costs!)

So, if you have skimped on your homeowners insurance maybe you should review your policy. How do you skimp? Say you know you should have called your insurance agent when you added that new garage on but by doing so you knew your rates would raise. You are only hurting yourself.. when you have a loss and everything is not covered to the dollar amount you need you will regret not paying that extra home owners insurance.