Home Insurance, Explained
A plain-English look at homeowners coverage — what it protects, common exclusions, and the difference between replacement cost and actual cash value.
What's Covered
Everything you need to know about home insurance coverage options.
Dwelling Coverage
Covers the structure of your home — walls, roof, foundation, and attached structures — against fire, storms, and other covered perils.
Personal Property
Protects your belongings (furniture, electronics, clothing) inside your home against theft, fire, and other covered events.
Liability Protection
Covers legal expenses and damages if someone is injured on your property or you accidentally cause damage to someone else's property.
Additional Living Expenses
Pays for hotel stays, meals, and other costs if your home becomes uninhabitable due to a covered claim.
Bundle & Save
Many carriers offer a multi-policy discount when home and auto are bundled. Actual discount varies by carrier and state — ask a licensed agent.
Replacement Cost Coverage
Pays to rebuild or replace your home and belongings at today's prices, not depreciated value.
Home Insurance FAQ
Keep Learning
Coverage Cove is an independent educational resource. When you have questions about a specific policy, a licensed insurance agent is the right person to talk to.
Coverage Cove is a free service to assist homeowners in connecting with local service providers. All contractors/providers are independent and Coverage Cove does not warrant or guarantee any work performed. It is the responsibility of the homeowner to verify that the hired contractor furnishes the necessary license and insurance required for the work being performed. All persons depicted in a photo or video are actors or models and not contractors listed on Coverage Cove.