What Does Homeowners Insurance Cover?

Homeowners insurance protects one of your biggest investments: Your house. It covers a wide range of problems and circumstances, and maybe some you’ve never even thought of.

Property, including the house and your personal property. This includes damage and theft. Personal property means your belongings: Furniture, curtains, rugs, clothes, shoes, jewelry, pots and pans, and TVs, down to the little knick-knacks on the bookshelves.
Liability, for certain injuries or damage that members of your household are legally responsible for.
Medical payments to others, for small injuries to guests on your property.
Loss of use, which reimburses you for extra costs if you can’t live at home because of a problem covered by the policy (such as a fire or tornado).