What Kinds Of Risks Does Homeowner’s/Renter’s Insurance Protect You Against?
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UPDATED: Sep 15, 2020
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The major risks covered by homeowner’s insurance are:
1. damage or loss to the home itself, as well as other structures on the land;
2. damage or loss to the items of personal property in the home and other structures; and
3. injury or harm to third parties (typically guests and others who come to your home).
The major risks covered by renter’s insurance are damage or loss to items of personal property contained in the residence and liability to third parties who are injured while in the residence.
The particular risks covered depend upon the type of policy purchased, as discussed below.