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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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What Does Home Owners Insurance Cover?

Homeowners insurance can create true peace of mind for many homeowners. The benefits and protections it provides are truly invaluable. However, to truly understand the benefits of homeowners’ insurance, you should familiarize yourself with what it covers. Sloan Insurance Agency of Elmer, NJ is committed to educating homeowners about the benefits of homeowners insurance and what it covers. Typically, homeowners insurance provides four general areas of coverage.

The Structure of Your Home

Homeowners insurance covers damage to your home, garage, gazebo, and other detached structures on your property. It will pay for the repair or rebuild of your home in the event of a fire and several other natural disasters that will be listed in your policy. They typically include lightning, hurricanes, and hail. However, homeowners insurance doesn’t usually include flood damage, earthquakes, or the deterioration of your home that results from aging. 


Homeowners insurance will cover several circumstances where you’d be considered responsible for any harm or damage to a visitor or visitors’ property. You are protected from lawsuits for property damage and bodily injury. Standard policies usually provide coverage of 100K; however, you can purchase more if this amount isn’t enough. Homeowners insurance will even cover damage your dog or pet may cause to your neighbor’s property. 

Personal Items

Your personal items, both on and off your property, are covered under homeowners’ insurance. This includes items kept in storage or somewhere else. Coverage for your personal belongings can comprise up to seventy percent of the coverage you have on your home. This coverage can also include rare and valuable items up to a specific limit. If you need more coverage for these types of items, you may need to purchase special coverage for these items. Your personal belongings are covered in the event of fire, theft, vandalism, and natural disasters included in your policy. Homeowners insurance covers trees and bushes on your property as well. 

Living Expenses

If something happens to the structure of your home and it becomes uninhabitable, homeowners insurance will pay for you to live elsewhere while your home is being repaired or rebuilt. However, it will also cover other associated living expenses like restaurant bills, hotel costs, and other living expenses. If you have questions about homeowners’ insurance, Sloan Insurance Agency of Elmer, NJ invites you to visit our office or give us a call. We’re here to help.