Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

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.