• Building Coverage: Protects the physical structure of your home, including the foundation, walls, roof, fitted cabinets, plumbing, and electrical wiring. Essentially, anything that is a permanent fixture and would remain if you moved out.

• Contents Coverage: Protects the items you own inside the home, such as furniture, appliances, electronics, clothing, and personal belongings. These are items you would typically take with you if you moved.

Standard Home Insurance policies generally provide coverage for common risks like fire, lightning, explosion, and theft. However, coverage for major natural disasters like earthquakes and floods is typically excluded. To be protected against these specific perils, you must usually purchase a separate Allied Perils or Natural Catastrophe endorsement and pay an additional premium.

Yes, this is covered under the Homeowner’s Liability section of your policy. This protects you financially if a guest is accidentally injured on your property (e.g., slipping on wet pavement) or if you or a family member accidentally cause damage to someone else’s property away from home. The policy covers legal fees and damages up to the specified limit.