homeowner's policy
Dwelling insurance contract
A homeowner's policy is an insurance contract covering a residence and its contents against damage, theft, and liability.
The policy typically bundles protection for the structure itself, personal belongings, and legal responsibility if someone is injured on the property: Our homeowner's policy covered the water damage from the burst pipe.
- personal liabilityOne's own legal responsibility
- liability limitsMaximum insurer payout amounts
- deductibleOut-of-pocket threshold amount
- exclusionsThings deliberately left out
- endorsementsFormal declarations of support
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