Most homeowners in Wichita carry home insurance — but a surprising number aren't entirely sure what their policy actually covers. If you've ever wondered whether a specific situation would be covered, you're not alone. Here's a plain-language breakdown of what a standard home insurance policy typically includes.
What a Standard Home Insurance Policy Covers
A standard homeowners insurance policy generally includes four main types of coverage: dwelling coverage, personal property coverage, liability protection, and additional living expenses.
Dwelling coverage protects the physical structure of your home — the walls, roof, floors, and built-in appliances — against covered perils like fire, wind, hail, and certain types of water damage. It does not typically cover flooding (which requires a separate flood insurance policy) or earthquake damage.
Personal property coverage protects your belongings — furniture, electronics, clothing, and other items — if they're stolen or damaged by a covered event. This coverage often extends to items outside your home as well, such as belongings in your car.
Liability protection covers you if someone is injured on your property or if you accidentally damage someone else's property. This is one of the most underappreciated parts of a home insurance policy.
Additional living expenses coverage pays for temporary housing and related costs if your home becomes uninhabitable due to a covered loss.
What's Typically Not Covered
Standard home insurance policies generally do not cover flood damage, earthquake damage, normal wear and tear, or intentional damage. If you live in an area with flood risk, a separate flood insurance policy is worth discussing.
The Bottom Line
Understanding your home insurance policy is one of the best things you can do to protect your family. If you're not sure what your current policy covers — or whether you have enough coverage — we're happy to review it with you at no cost or obligation.