What is included in standard homeowners insurance coverage?

Standard homeowners insurance typically includes personal liability coverage, which protects the homeowner in the event that someone is injured on their property or if they inadvertently cause damage to someone else's property. This coverage is essential as it helps to cover legal expenses and any settlements or judgments that may arise from such incidents, making it a critical component of homeowners insurance.

While homeowners insurance may include some coverage for certain acts of nature, it does not cover everything, such as flood insurance, which usually requires a separate policy. Additionally, business activities conducted from home are often not covered under standard homeowners insurance without an endorsement or specific business policy. Thus, personal liability coverage is a key feature of standard homeowners insurance that addresses the risk of bodily injury or property damage claims against the homeowner.