WhenIThinkOfYou,Buying Homeowners Insurance: A Simple And Accurate Overview
Homeowner’s insurance covers a wide variety of specified perils and comes in multiple different types. Some of the things that can be covered by homeowner’s insurance include fire, hail, snow damage, theft, wind, damage from electricity, and other perils as well.
If you purchase a standard home insurance policy, it will generally cover the physical structure of your home and other structures on your property. You may need to confirm with your homeowner's insurance provider that things such as sheds and detached garages, as well as possessions of various types, are covered under your policy. Some specific electronics and other items may need additional riders in order to be included.
There are a few other things that are not covered by a standard policy. These can include earthquakes, sinkholes, flooding, and sewer backups. You likely need additional riders if you want financial protection from these things.