What’s Covered in a Standard Home Insurance Policy?

A basic home insurance policy provides protection in four key areas:

Your Home (Dwelling Coverage)

This covers damage to your home’s structure caused by insured risks like fire, windstorms, hail, or falling objects. It helps pay for repairs or rebuilding if needed.

Your Belongings (Personal Property Coverage)

Furniture, electronics, clothing, and more—if your belongings are stolen or damaged by an insured event, this coverage helps replace them.

Liability Coverage

If someone is injured on your property, or if you accidentally cause damage to someone else’s property, liability coverage helps pay for legal costs, medical expenses, and settlements.

️ Additional Living Expenses

If your home is damaged and you need to temporarily relocate, this helps cover hotel stays, meals, and other living expenses while repairs are made.

Optional Coverages for Extra Protection

A standard policy covers the basics, but certain situations require additional protection. These optional coverages can help provide added peace of mind:

Sewer Backup Coverage

If water backs up into your home through a drain, toilet, or sewer line, this helps cover cleanup and repair costs.

Overland Water Coverage

Standard home insurance doesn’t cover flooding from heavy rain, melting snow, or overflowing rivers. This coverage helps protect against water entering your home from outside.

Service Line Coverage

If an underground power, water, or gas line on your property is damaged, this coverage helps pay for repairs—avoiding costly out-of-pocket expenses.

Home Equipment Breakdown Coverage

If major appliances, your furnace, or air conditioning system break down due to mechanical failure, this helps cover repair or replacement costs.

High-Value Items (Scheduled Personal Property)

Jewelry, collectibles, fine art, business property, and other valuables may have coverage limits under a standard policy. This add-on ensures they’re fully protected.

Why HK Henderson?

Home insurance can feel complex, but it doesn’t have to be. At HK Henderson, we take the time to get to know you and your family’s needs and explain your options clearly so you can feel confident in your coverage. Whether you’re buying a new home, renewing your policy, or reviewing your insurance needs, we’re here to help.

Have questions? Need a quote? Contact Us today —we’d love to assist you.