Knowing the details of your insurance policy is fundamental to navigating the homeowners insurance claims process. Homeowners insurance generally offers financial protection against risks like theft, fire, and some natural disasters. However, not all damages are covered, which can lead to unexpected out-of-pocket expenses.

Most policies also cover additional structures like garages and fences. Know the specifics of your coverage, including any separate policies for risks like flood insurance. Homeowners insurance often covers living expenses if your home becomes uninhabitable during repairs, such as hotel stays and restaurant meals.

Being familiar with these details ensures you know what to expect and helps avoid unpleasant surprises during the claims process.