Insurance Terminology H
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- HOMEOWNERS INSURANCE POLICY
A typical home insurance policy covers your house and separate structures for named perils like fire, wind, and theft. Detached garages and any sheds on your property are typically covered as well. Personal property on the premises is usually covered for a percentage of the dwelling. The extent of the perils covered depends on the type of policy. Homeowners insurance also covers additional living expenses, personal liability and medical payments.