Homeowners insurance commonly includes dwelling coverage, other structures, personal property, personal liability, and additional living expenses after a covered loss.
It usually does not cover flood or earthquake unless those protections are added through separate policies or endorsements. High-value items may need scheduling.
Limits, deductibles, replacement-cost estimates, and exclusions should be reviewed together. Reconstruction costs can change over time.
Coverivo AI can help summarize a policy you already have. Binding or changing coverage requires a licensed professional and carrier approval.