Consult your Insurance agent or insurance company regarding regarding questions about Homeowners Insurance. A Home Owners Insurance Policy is designed to protect home owners against certain risks such as Destruction, Loss or Injury. Home owners insurance policy is divided into 2 parts:
Property Protection and Home Insurance Liability Protection. Property Protection is broken down into Dwelling, Other structures, Personal Property and Loss of Use.On the declaration page of the Policy, a homeowner should make sure they have protection for the dwelling, Personal Property, other structures on the property such as swimming pools, Unattached garages etc. and lastly Loss of Use.
In addition to the Property Coverages , the home owner should make sure they have personal Liability and Home Insurance Medical Payments coverage for them and their loved ones who live with them. Always seek the Advice of your Insurance Agents or Broker if you have any questions about homeowners insurance.