About Home Insurance Network
Dwelling Coverage
Dwelling coverage is the foundation of your homeowners insurance policy. It protects the physical structure of your home—including the walls, roof, and built-in features—against covered perils such as fire, windstorms, hail, lightning, vandalism, and more. Whether you're a first-time homeowner or looking to update your existing policy, understanding dwelling coverage is essential for protecting your biggest investment.
If your home is damaged or destroyed due to a covered event, dwelling coverage helps pay to repair or rebuild it—up to your policy limits. This includes attached structures like garages, porches, and decks.
When shopping for homeowners insurance, it's important to ensure your dwelling coverage limit reflects the full replacement cost of your home, not just its market value. This ensures you’ll have the funds needed to rebuild your home as it was, using similar materials and craftsmanship.
Liability Protection
Liability protection is a critical part of your homeowners insurance policy that helps shield you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property. Whether it’s a slip-and-fall on your front steps or your dog bites a guest, liability coverage can help cover legal fees, medical expenses, and court-awarded damages—up to your policy limits.
This coverage follows you beyond your home, too. If you or a family member are found legally responsible for an incident away from your property, your liability protection may still apply.
Without liability coverage, a single accident could lead to costly lawsuits or out-of-pocket settlements. Most policies offer at least $100,000 in liability protection, but many homeowners opt for higher limits for added peace of mind.
Liability protection ensures that one unexpected incident doesn't turn into a long-term financial burden. It’s an essential safeguard for your home—and your future.
Personal Property Coverage
Personal property coverage is the part of your homeowners insurance policy that protects the belongings inside your home—everything from furniture and electronics to clothing and kitchenware. If your items are damaged, destroyed, or stolen due to a covered event like fire, theft, or storm damage, personal property coverage helps pay to repair or replace them.
This coverage typically applies not just to items in your home, but also to personal belongings stored off-premises—like in a storage unit or your car—often at a reduced percentage of your total coverage limit.
It’s important to take an inventory of your belongings and ensure your coverage limits accurately reflect the value of what you own. High-value items such as jewelry, artwork, or collectibles may require additional protection through scheduled personal property endorsements.
Whether you’re starting out in a new home or reviewing an existing policy, personal property coverage ensures that your everyday essentials—and the things that make your house feel like home—are financially protected when the unexpected happens.