What does home owners insurance cover?

Answer 1

It depends on the type of policy that you have. Some cover the dwelling, its contents, other structures, liability protection for you and the insured's, some contents of premises, some personal property of others, and some have limited medical protection for visitors.

Other homeowner policies are designed for renters and therefore do not cover the dwelling.

All of this is subject to the limits of the policy which can range very much.

Answer 2

In brief, Homeowners insurance policies offer protection for the homes main structure, out buildings and contents as well as coverage for certain liabilities that may arise from home ownership.