homeowners insurance
What does home insurance cover?
By Simple Lane Editorial Team · · 4 min read
The core coverages inside a standard homeowners policy and the endorsements every San Diego homeowner should at least consider.
Homeownership is a significant investment protecting it requires understanding what your homeowners insurance actually covers. Here’s the short list for a standard HO-3 policy.
Core coverages
- Dwelling Walls, roof, foundation, built-in appliances.
- Other structures Detached garages, sheds, fences.
- Personal property Belongings inside often worldwide.
- Liability Legal and medical costs if someone is injured.
- Additional living expenses Hotel and food if your home becomes uninhabitable.
Common endorsements San Diego homeowners should consider
- Flood (NFIP or private) Required in FEMA high-risk zones; worth considering even outside them.
- Earthquake (CEA or private) Not included in standard policies; valuable across California.
- Sewer/drain backup Often excluded; small endorsement, big protection.
- Service line Covers water, sewer, gas, and power lines on your property.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.