What Does Home Insurance Protect Your House Against?

What Does Home Insurance Protect Your House Against?
13 Oct 2022

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You often hear the importance of having home insurance in place, but what exactly does it cover? It is not entirely clear what is and what is not covered by the term home insurance on its own, which is why it is so important that people learn about home insurance before they take it out. You do not want to find out that you do not have an important protection in place, or that you are doubling up on anything, so this post will look at the main aspects that home insurance costs (although, always be sure to read through your policy to be clear).

The Building

Home insurance will always cover the actual building itself. This means that you have financial protection for any damage that occurs to the building, whether this is from extreme weather, flooding, fire, or criminal damage. Keep in mind that damage to a building can be hugely expensive to repair, so you certainly do not want to run the risk of having to foot the bill for this yourself.

Detached Structures

Home insurance can also provide coverage for any detached structures that you have on your property. If you have a detached garage, a shed, or another dwelling on your property, then your policy should provide the same level of protection for these structures. If you own multiple properties, then you will need to take out multiple home insurance policies.


Home insurance will also cover the contents of your home. This means that you are covered against theft, fire, and damage and this can include furniture, electronics, clothing, jewelry, and artwork. This is why it is so important to have an inventory of your important possessions at home, including their value (and it is also helpful to keep receipts of high-value items).

Living Expenses

A home insurance policy should also cover living expenses if you are unable to live at home due to a claim being made. This can include the cost of staying at a hotel, travel, food, and other living costs that you incur as a direct result of having to move out of your home.

Civil Liability

Home insurance will also cover civil liability. This is damage that you or your property cause to others, such as if someone has a slip, trip, or fall in the home that you could have prevented, and, therefore, determining liability is so important in these cases.

Taking Out Home Insurance

The importance of having home insurance in place cannot be overstated, especially when you consider that it covers all your possessions. To find the best home insurance, it is worth using a home insurance Montreal broker that will help you easily compare quotes to find the right one for your needs.

It is better to be safe than sorry when it comes to home insurance and having coverage in place will provide peace of mind because you know that your home and contents will all be covered.

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Craig Silva

Craig is a husband, a father, team leader, travel and food writer, senior youth group coordinator, designer, brander, community builder, volunteer, and social media strategist. Craig likes to travel, go camping, go on road trips, watch movies, build stuff, operate the grill, and sing with his band. Craig is a member of the Travel Media Association of Canada. In June 2017, PR firm Cision identified Craig as one of Canada’s top 10 most popular male bloggers in the parents and family space.

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