Definition: The word "what do homeowners insurance cover" refers to the specific types of coverage that are typically included in an homeowners insurance policy. This covers various areas, such as property damage or liability, theft, personal injury, medical expenses, and any additional losses that may occur due to natural disasters. In the United States, homeowners insurance typically covers a range of risks related to home ownership, including structural damage from water, fire, lightning, earthquake, vandalism, and theft. It can also provide coverage for personal injuries and property damage caused by an insured person on the premises. Some common types of coverage included in homeowners insurance policies include: - Property damage coverages, such as flood, windstorm, and hail - Liability coverage for your home and its contents - Theft coverage for personal belongings, vehicles, and equipment - Personal injury protection (PIP) to help pay medical expenses if you are injured while on the premises - Medical payments coverage, which covers costs related to medical treatments or surgeries - Loss of use coverage, in case you can't return your home until repairs are made - Inclusion of additional coverage such as earthquake coverage and carbon monoxide detectors
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