Comfort Insurance is an insurance guide, not an insurer. We don’t sell, quote or arrange insurance, and nothing here is advice. Below is what home policies from insurers commonly include. Always check the wording of any policy you’re offered.
Home insurance for owners, condo owners and renters
Your home is where you get comfortable. Home insurance is there for the day something goes wrong, from a burst pipe to a break-in.
What a typical home policy includes
- Dwelling coverage for the structure of your home.
- Contents coverage for your belongings, including items you take away from home.
- Personal liability if someone is hurt on your property or you damage someone else’s property.
- Additional living expenses if you need somewhere else to stay while your home is repaired.
Know what is excluded
Every policy has limits. Things like general wear and tear are not covered, and some risks, such as sewer backup or overland water, are usually added separately. Before you buy, ask the insurer or broker to walk you through each exclusion.
