Real Estate
What does homeowners insurance cover?
Quick Answer
A standard HO-3 policy covers six things: the dwelling, detached structures, personal property, loss of use, personal liability, and medical payments to others. It excludes flood, earthquake, normal wear and tear, and intentional acts.
Warren Team
Updated April 26, 2026
37
Warren Team
Updated April 26, 2026
37
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The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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