Detached buildings like garages, fences, or sheds.
The physical structure of your home (walls, roof, etc.). home insurance
Whether you just got the keys to your first house or have lived in your home for decades, understanding your home insurance policy is the best way to protect your biggest investment. In 2026, the insurance market is shifting, with average annual premiums projected to reach —a 4% increase over last year. 🏠 What Does a Standard Policy Actually Cover? Detached buildings like garages, fences, or sheds
Like floods, ground movement usually requires a specific endorsement or separate policy. Detached buildings like garages
Covers minor medical bills for guests injured at your home, regardless of fault.
Your furniture, electronics, and clothing.