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Homeowner Insurance

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What does Home Insurance cover?

Home Insurance is based on four coverages:

Dwelling 

This coverage refers to the reconstruction of the house.

Personal Property

Personal Property covers the value of your personal property inside your home.

Other Structures 

This coverage refers to the reconstruction of structures that are inside your property, eg shed, garage.

Loss Of Use

Loss Of Use will cover the cost of staying away from your home, in case something happens to your home.

If my house burns down, what will the insurance company be able to cover?

In the event of a fire, the insurance company will cover the reconstruction of your home, but investigation is carried out to find the cause of the fire.

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