: Most policies do not cover floods or earthquakes.
: Pays to repair or rebuild the physical structure of your home if it is damaged by a "covered peril" like fire, smoke, wind, or hail.
: Damage from normal wear and tear, mold, or pest infestations (like termites) is typically not covered. Key Concepts for Policyholders What Does Homeowners Insurance Cover? - Allstate home owner insurance
Homeowners insurance is a financial safety net designed to protect your home, belongings, and personal assets from unexpected disasters and legal liabilities. Core Coverage Areas
It is important to note that standard policies often specific high-risk events. You may need separate riders or policies for: : Most policies do not cover floods or earthquakes
: Covers legal defense costs and medical bills if a visitor is injured on your property or if you accidentally damage someone else's property. What is Usually Excluded?
Standard policies, such as the common , typically include four primary types of protection: You may need separate riders or policies for:
: Protects detached buildings on your property, such as fences, sheds, or detached garages.