what does home insurance cover?

Feeling overwhelmed? Homeowners insurance might just be the most complex type of coverage around. But worry not — we're here to simplify it for you. To get a better grasp of the nooks and crannies of your coverage, take a minute to review all the pieces that can fit into a homeowners policy.

how home insurance works: breaking down your coverage

Generally speaking, the main function of home insurance is to protect you from financial loss after a covered incident. Home insurance is typically used to safeguard the following:

  • Your home's structure and other structures on your property
  • Your personal belongings
  • Your liability for others' injuries sustained on your property or that you're otherwise responsible for

But within this framework, you have a ton of choices. For instance, did you know you can tailor contents insurance based on category (like "sports equipment" or "jewellery")? Or that there's home insurance coverage specifically designed for protecting your garden, or even for retrieving lost computer data? And that's just for starters.

what does home insurance protect against?

A standard homeowners policy generally protects your home and your personal property from damage caused by:

  • Fires or lightning
  • Windstorms (including hurricanes and tornadoes) or hail
  • Explosions
  • Riots or civil commotions
  • Aircrafts
  • Vehicles
  • Smoke
  • Theft or vandalism (sometimes called malicious mischief)
  • Falling objects
  • Weight of ice, snow, or sleet
  • Freezing of plumbing, heating, air conditioning, or other household systems

A standard home policy won't typically cover damage caused by floods or earthquakes. Other exclusions could include mould or fungus, vermin, and normal wear and tear.

home insurance coverage: the basics

The following homeowners insurance coverage types are typically included automatically on Esurance policies.

Dwelling protection

Other structures protection

Personal property insurance

Additional living expense coverage

Family liability protection

Voluntary medical protection

Guaranteed home replacement cost

home insurance coverage: additional protection

The following supplementary coverages on your policy can help provide even more peace of mind.

Sewer backup coverage

Roof surfaces protection

Identity theft and legal expense coverage

Eco upgrade coverage

Oil tank liability protection

Solar energy system coverage

Building ordinance coverage

Business pursuits coverage

Golf equipment coverage

Sports equipment coverage

Yard and garden coverage

Electronic data recovery expense coverage

Jewellery, watches, and furs coverage

Personal article floater coverage

If you're interested in adding personal article floater coverage to your policy, please call us at 1-888-ESURANCE (1-888-378-7262) to discuss your options.