At DJ Kauffman Agency in Hutchinson, KS, we believe having a home insurance policy is as crucial as understanding what is covered in a standard policy. It can be disheartening for a homeowner to assume something is covered by their policy only to find out after a covered incident that it isn’t. Therefore, we want to inform you about what a standard home insurance policy covers.

What Does a Standard Policy Typically Cover?

A standard home insurance policy provides coverage to repair or replace the structure of your home, both inside and out, and other structures, such as sheds or detached garages. Additionally, a standard home insurance policy covers your personal belongings. It reimburses when you’re displaced from your home due to a covered peril. You also get liability coverage if someone is injured on your property or if a fire or animal from your property damages someone else’s property.

Moreover, standard home insurance policies cover a limited number of perils to your home, such as fire, explosion, wind, falling objects, and hail damage.

What Isn’t Covered?

While earthquakes and floods are valid concerns for homeowners, they are not covered by a standard home policy. However, they can be added for an additional cost or by writing a separate policy.

Furthermore, a standard home insurance policy does not cover damage from termites and other insects, rust, rot, general wear and tear, or birds or rodents.

Questions or Concerns About Home Insurance

We understand that home insurance policies can be complex at DJ Kauffman Agency in Hutchinson, KS. We would love to partner with you to ensure your home is adequately covered and you have peace of mind. Call us today at (620) 669-0410.