what kind of coverage should you look for in home owner insurance?

[Rojina]

When selecting homeowner insurance, look for comprehensive coverage that includes several key components. Dwelling coverage is essential to protect the structure of your home against risks like fire, wind, and theft, ensuring it covers the full cost of rebuilding. Personal property coverage safeguards your belongings, with replacement cost coverage being preferable. Liability protection covers legal and medical expenses if someone is injured on your property or if you damage someone else's property. Additional Living Expenses (ALE) provide for living costs if your home is uninhabitable due to repairs. Medical payments coverage handles minor injuries to guests, regardless of fault. Additionally, consider endorsements for specific needs, such as high-value items, water backup, or natural disasters like floods and earthquakes, to ensure thorough protection tailored to your risks and requirements.