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Homeowners Insurance Coverage Information for the State of California

Homeowners insurance can help you protect many different aspects of your home such as the physical structure of your home, the belongings inside your home and the cost of medical expenses for a person injured on your property. Most policies include some standard policy coverage, but you can also select from many optional types of coverage to help protect the things that are important to you. Find a ThomCo agent for help understanding what different types of homeowners insurance coverage are available to help you protect.

Taking the time to understand what types of homeowners insurance coverage are included in your policy can help you understand what it protects. Most ThomCo home insurance policies include standard coverage, like:

Dwelling (home structure): This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
Other structures: This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
Personal property: Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
Liability protection: Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
Guest medical protection: This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.
Additional protection: Some homeowners policies may include additional protection. An example of this is reimbursed living expenses coverage, which can help cover increased living costs like hotel stays in the event your home is uninhabitable after a covered loss.

You can choose from many different optional coverage types that can help protect your home, your belongings and your family beyond the standard home insurance coverage types. An example of an optional coverage you could choose is identity restoration coverage, which can offer added protection in the event your identity is stolen.

You can add optional coverage to your homeowners insurance policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to get it, you’ll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.

The homeowners insurance coverage and policies you choose will depend on the type of protection you want. Contact a ThomCo agent to discuss your options and understand what your insurance can cover.

When you’re selecting the coverage you want on your homeowners policy, it can be helpful to know what common claims homeowners near you have filed. Understanding what those claims are can help you see what types of risks your home might be susceptible to, so you can consider adding coverage to your policy that can help protect against those risks.

Source: https://www.allstate.com/home-insurance/homeowners-insurance-basics.aspx