What Is Covered in Homeowners Insurance
This covers damage to the structure of your home, such as from fire, storms, or vandalism. This includes damage to the roof, walls, foundation, and other permanent fixtures of the home. It typically includes coverage for rebuilding or repairing the home to its pre-loss condition. Some policies may also include coverage for debris removal and temporary living expenses if your home is uninhabitable due to damage.
For example, a roof replacement could run you into the thousands of dollars, but if the damage wasn’t your fault, you’re covered by your policy.