Detached buildings like garages, fences, or sheds.
Whether you just got the keys to your first house or have lived in your home for decades, understanding your home insurance policy is the best way to protect your biggest investment. In 2026, the insurance market is shifting, with average annual premiums projected to reach —a 4% increase over last year. 🏠 What Does a Standard Policy Actually Cover? home insurance
Covers minor medical bills for guests injured at your home, regardless of fault. Detached buildings like garages, fences, or sheds
Like floods, ground movement usually requires a specific endorsement or separate policy. 🏠 What Does a Standard Policy Actually Cover
Standard policies almost never cover flood damage. You must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier.
Your furniture, electronics, and clothing.