Understanding the types of coverage on your home insurance policy can help you understand exactly what’s protected. Most House & Home policies in Texas include the following types of standard coverage:
Dwelling (home structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.
Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.
ENJOY MORE COVERAGE OPTIONS WITH HOUSE & HOME
With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some coverage options available to you could include data recovery, identity theft restoration and protection for valuable items like camera equipment.