A tree branch falls and damages your roof. Your gate squeezes a visitor’s hand. Someone left the tap on – while you were away over a long weekend.
Your homeowners policy provides insurance coverage for each of these situations and many more because it is a “package” of insurance for (1) your house, furniture and personal belongings, (2) your liability to others and (3) additional living expenses you may incur if your home is severely damaged.
Homeowner’s policies provide coverage for your:
Specified Personal Items such as computers, jewellery and art
Liability to domestic Employees and to the Public