What Does Home Insurance Usually Cover?
Although the name “homeowner's insurance” may sound like it only covers physical buildings, home insurance in Upland, CA encompasses much more than that. Depending on your policy, other situations and items may be eligible for coverage. Because this coverage can vary by policy, you should look for a package that provides insurance for at least these four basic situations:
• Interior or exterior structural damage
• Theft or damage of personal belongings
• Personal liability for injuries received at your home
• Temporary living space during home repair after a covered occurrence
Standard policies often cover fires, hurricanes, lightning, and vandalism. An H03 policy would cover personal belongings such as jewelry and firearms (up to certain limits). And if someone were to slip on your driveway and sue you, personal liability insurance would help cover the cost of the suit. Accidents can happen at any time, so it's always good to prepare for the unexpected.