This is the standard policy for protecting one's house and belongings. Except from the dangers specifically excluded in your policy, it protects your house and any other buildings on your property, as well as any goods within.
The purchase of a house is the single greatest investment that the majority of us will ever make. It's only natural to want to safeguard it with comprehensive home insurance, which, as the name implies, provides the broadest available protection.
In the event of a claim, the insurer has the burden of proving an exclusion with comprehensive homeowner's insurance, increasing the likelihood of a positive outcome in cases where coverage is ambiguous. A claim on a wide form or basic homeowner's insurance policy would likely be refused if, say, you had stuff taken from your house but didn't report it to the police. This kind of claim is often approved by insurers if you have a comprehensive coverage. This should give you a greater sense of calm.
What does full coverage on a house insurance policy include?
All-inclusive homeowner's insurance safeguards your property against any and all hazards (with the exception of standard exclusions listed in your policy).
Alternatives for More Protection
Endorsements (additional coverage choices) let you expand your homeowner's insurance to include things not typically covered by a basic policy. The most popular recommendations are:
- Safety against sewage overflows
- Landslides caused by surface water
- Earthquake
Your house insurance policy will not pay for any damage caused by these situations if you do not purchase the optional supplementary coverages.
