Leave a Message

By providing Rise Homes your contact information, you acknowledge and agree to our Privacy Policy and consent to receiving marketing communications, including through automated calls, texts, and emails, some of which may use artificial or prerecorded voices. This consent isn’t necessary for purchasing any products or services and you may opt out at any time. To opt out from texts, you can reply, ‘stop’ at any time. To opt out from emails, you can click on the unsubscribe link in the emails. Message and data rates may apply.

Thank you for your message. We will be in touch with you shortly.

What Does Homeowners Insurance Actually Cover?

Joe Polyak August 27, 2019

What Does Homeowners Insurance Actually Cover?

What does your homeowners insurance policy really cover? Find out today.

As a continuation of our series on the relationship between insurance and real estate, I recently had the privilege of sitting down once more with Roger Heighton of Farmers Insurance to tackle another important question: What does homeowners insurance actually cover?

In short, there are four subcategories of coverage Roger says all policies have:

Coverage A (or dwelling coverage). This subcategory relates to the amount of coverage you need to rebuild the home if necessary.
Coverage for personal belongings. This coverage insures the items within your home, as opposed to the home itself.
“Loss of use” coverage. This aspect of your coverage would take care of living expenses in the event that you need to temporarily relocate while your home is being rebuilt. Loss of use coverage does not, however, cover your mortgage.
Liability protection. If someone else claims you are responsible for an injury they sustained while on your property or damage to their own property, this type of coverage will protect you. Liability coverage also extends to accidents outside of your property, as well. If, for instance, you were biking on a trail and accidentally crashed into someone, your home insurance could cover the lawsuit that could arise from this.

If you have any other questions or would like more information, feel free to give us a call or send us an email. We look forward to hearing from you soon.

Recent Blog Posts

Stay up to date on the latest real estate trends.

🎉 May 2025 Events in the San Francisco Bay Area: Top 10 Things To Do

May 3, 2025

May is in full bloom, and so is the lineup of incredible events happening throughout the San Francisco Bay Area! Whether you’re into cultural festivals, live music, ou… Read more

Alameda March 2025 Market Update: What Buyers and Sellers Should Know

May 1, 2025

As we move into spring, the Alameda real estate market is showing signs of steady momentum. March 2025 has brought a mix of continued strong demand and an encouraging … Read more

March 2025 Contra Costa County Real Estate Market Update: What Buyers and Sellers Need to Know

April 25, 2025

As we move through the spring selling season, Contra Costa County continues to demonstrate the hallmarks of a strong, competitive real estate market. Whether you're a … Read more

🔍 Santa Clara Real Estate Market Update – March 2025

April 24, 2025

The Santa Clara housing market continues to show strong momentum, with key indicators pointing to a competitive environment for buyers and an advantageous one for sell… Read more

San Francisco Real Estate Market Update – March 2025

April 16, 2025

As we step into spring, the San Francisco real estate market continues to show dynamic activity, marked by high demand, competitive pricing, and limited inventory. Whe… Read more

🏡 San Mateo Real Estate Market Update – March 2025

April 16, 2025

As we step into the heart of spring, the San Mateo County real estate market continues to showcase strong performance, marked by competitive activity and steady price … Read more

Sweat Local: The Best Group Fitness Classes on the Mid-Peninsula

Valerie Mattei | April 10, 2025

April 2025 Local Events: Celebrate Spring in San Francisco Bay Area

April 3, 2025

April is here, bringing a full lineup of exciting local events in the Bay Area! Whether you're looking for family-friendly activities, cultural festivals, or artistic … Read more

Top 5 Best Bay Area Cities for an Active Lifestyle

April 2, 2025

Let’s Talk

You’ve got questions and we can’t wait to answer them.