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Home Insurance policies are generally set up in a similar fashion but interpreting what you're actually covered for can be tricky. You can rely on an experienced Insurance Agent from Cheektowaga Agency, Inc to clarify some of the questions you might have.
New Home Insurance coverages: Buried Utility Line Coverage, Equipment breakdown, matching of undamaged roof surfacing, matching of undamaged siding
Covers the home you occupy. How the home is covered varies, is it Replacement cost, Actual cash value? Is there enough coverage? Is there a coinsurance clause?
Covers Bodily Injury claims to others you might be negligent for. Someone who falls on your property and sues you for their injury, dog bite claim.
Covers detached structures like sheds, fences, garage, deck, swimming pools.
Covers medical payments to others who don't live with you. Usually a minor claim, a sprained ankle, trip to emergency room.
Personal property you own and keep at your home. Appliances, clothing, furniture. Beware of certain limits on specific property. Is it Replacement cost or actual cash value?
Loss of Use
Pays for reasonable extra expenses you might incur after a covered loss makes your home not fit to live in.
Water Backup through sewer/drains/sumps in basement, Personal Injury Liability(Libel, Slander, False Arrest), Jewelry, Ordinance or Law, Underground utility Lines, Equipment Breakdown, much more.