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Understanding Common Home Insurance Coverage
Learn how dwelling, personal property, liability, and additional living expense coverage generally work.
The home and belongings
Dwelling coverage generally addresses covered damage to the home itself. Personal property coverage generally addresses covered belongings, subject to limits, exclusions, and special limits for certain property.
Liability and living costs
Personal liability coverage may respond to certain claims involving injury or property damage. Additional living expense coverage may help with qualifying temporary costs after a covered loss.
Important limitations
Flood, earthquake, maintenance, and wear are commonly limited or excluded. Read the policy and ask a licensed professional which separate coverage may be appropriate.