Home Owners

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and assets in the home. It also provides liability coverage against accidents in the home or on the property. Essentially, it helps protect homeowners against financial losses caused by theft, natural disasters, accidents, and other unforeseen events. Policies typically cover the structure of the home, personal belongings inside, liability for injuries or damages occurring on the property, and sometimes additional living expenses if the home is temporarily uninhabitable.

Homeowners insurance covers the structure of your home, personal belongings, liability for injury or damage to others, and additional living expenses if your home is uninhabitable due to a covered event. It also protects other structures on your property like sheds. Coverage details can vary, so checking your policy or speaking with your insurer is recommended for specifics.

For Carvo clients, to determine liability under your homeowners insurance, review your policy to understand coverage limits and exclusions. If an incident occurs, assess if it aligns with covered events, such as injuries on your property. Notify your insurer promptly to initiate a claim process. For complex cases or if sued, consider legal advice. Coverage depends on your policy's terms and the incident details.