HOMEOWNERS INSURANCE POLICY
The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well
as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils
including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk
policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.