Most standard California home insurance policies will provide coverage for your property structure and basic contents. While most people are aware of this, it’s worth knowing that home insurance policies often include some additional protection. Here are the key elements.
Liability – Home insurance policies can generally provide financial compensation should someone sue you after an accident on your property. This may include medical expenses for people injured while on your property, by your family or even your pet.
Added Structures – In addition to covering the dwelling and house contents, most home policies will cover permanent structures such as the garage, tool shed, fence and even in-built barbeques.
Living Expenses – In the event your home is damaged to the extent that you are required to live elsewhere while repairs are undertaken, your home policy may provide financial compensation for living expenses incurred. This can include hotel or motel bills and meals.
The amount of coverage in any California home insurance policy will depend on how much insurance you have purchased and the details of your specific contract. It’s always wise to read your policy documents and also to ask your agent plenty of questions to ensure you know exactly what you are covered for.
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