What Does a Standard Homeowners Policy Actually Cover? When you need someone to act on your behalf for insurance claims, call The Shelley Group, Inc.

What Does a Standard Homeowners Policy Actually Cover: Your home is a valuable asset and the center of your life, so ensuring its safety is crucial. Homeowners insurance with suitable coverage can help repair and replace your home and belongings after a catastrophe, preventing financial difficulties. While not legally required, it is usually necessary for those with a mortgage. A standard policy may not cover every situation, so it's important to know what it includes and excludes.

Navigating the Insurance Claims Process for Your Business or Personal Property | The Shelley Group, Inc.

Homeowners insurance can help you recover financially following a catastrophic event. Here's what standard policies usually include:

• Home repairs resulting from damage caused by a covered event

• Costs for accommodations such as hotel stays, laundry, and meals if you need to relocate during home repairs

• Replacement of personal belongings that are stolen or damaged as a result of a covered incident

• Liability insurance in the event that you are deemed responsible for causing damage to another person

Each policy includes coverage limits that are usually specified at the time of purchase. The amount of insurance required depends on the cost to repair or rebuild your home, in addition to the level of coverage you desire for personal property and liability.

The Shelley Group, Inc. will assess the damage to your home or business property to help determine the scope of repairs and estimate the replacement value for those repairs.

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