What does standard home insurance cover?  

1. Dwelling coverage protects against damage and possible loss of your home’s structure in event of a covered claim such as a hurricane, hail, lighting or fire (separate policies are needed for flood and earthquake insurance).  2. Other structures that are protected by standard home insurance policies are detached garages and other buildings on your property.  3. Personal property coverage is included in a standard home insurance policy and protects your personal items and household contents in the event they are stolen or destroyed by fire or other peril covered in your policy.  4. Loss of use coverage provides for your living expenses in the event that you cannot live in your home due to a covered claim.  5. Personal Liability Protection covers you in the event that a lawsuit is presented against you or covered family members for bodily injury or property damage. Pets are included in this portion of the policy.  6. Medical Payments coverage helps cover medical expenses that you might be held responsible for due to an injury sustained on your property when there is no lawsuit. The above items are some good tips from Consumer  Mortgage call us for your mortgage purchase or refinance at 757-552-7000 or 1-800-882- 0066.