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Home Insurance Basics
Homeowners coverage can address the dwelling, other structures, personal property, certain additional living expenses, and personal liability, depending on the policy.
01
Rebuilding risk
The amount needed to rebuild a home can differ from its market value. Coverage limits should be reviewed as construction costs and improvements change.
02
Personal property
Policies can treat categories of personal property differently and may impose special limits for certain items.
03
Liability
Personal liability protection can be an important part of a homeowners policy when an insured is legally responsible for covered injury or damage.