What's Covered Under A Homeowner's Insurance Policy?

Most homeowners understand that purchasing homeowner's insurance is a good idea or at least that it's required to carry in order to get a mortgage. Unfortunately, they don't really understand what's in their policy, and often find out their coverage was lacking only after a catastrophe. Here's what you should look for in a homeowners insurance to ensure that you have complete coverage when you need it. Structure Damage Structure damage is the most basic level of coverage and includes things like your roof, walls, and floors.