What Does Home Insurance Really Cover?

Homeowners insurance typically covers damage to your home and personal belongings caused by fire, storms, theft, or vandalism. It also includes liability protection if someone is injured on your property. However, not all situations are covered, such as floods or earthquakes—those may require separate policies. Always review your policy with a licensed professional to understand the limits and exclusions. Comprehensive homeowners insurance ensures you're prepared when life takes an unexpected turn.