What does the Standard Homeowner’s Insurance Policy Cover?

Homeowner’s insurance gives financial protection if your home or contents incur damage. It also protects you and your family in case of injuries to others on your property. Most mortgage lenders require a homeowner’s insurance policy for you to purchase a home. There are four primary coverage types:


Liability insurance protects you against lawsuits when property damage or bodily injury caused by the residents of your home to others. Most coverages also extend to damage caused by pets. The insurance typically covers court costs and any awarded money determined by the court up to a specific limit.

Living Expenses

Additional living expenses pay the costs of living away from home if you have to temporarily move due to disaster damage. This includes hotel bills, meals and any other costs incurred above-and-beyond your normal living expenses. Some policies include time limits which can be increased with a premium.


Your personal belongings, such as furniture, sports equipment, electronics, and clothes are covered by insurance when stolen or destroyed by a natural disaster. The coverage can range from 50-to-70-percent of the structural coverage on your home, depending on the policy. It is always advisable to perform a home inventory to determine the amount of coverage you require.


If your home is destroyed by acts of Mother Nature that are listed on your policy, your homeowner’s insurance will pay the repair bills. When purchasing coverage from Luebbering Insurance Agency, LLC in Jefferson City, MO, it is important that you always purchase enough to rebuild your home. Many policies include damage to detached structures like a tool shed, garage or gazebo.

For more information on homeowner’s insurance in the Jefferson City, MO area, contact Luebbering Insurance Agency, LLC today! They can help you find a policy that fits your requirements and budget.