{"id":1343,"date":"2025-12-31T04:00:00","date_gmt":"2025-12-31T10:00:00","guid":{"rendered":"https:\/\/www.wenatcheeinsurance.com\/blog\/?p=1343"},"modified":"2026-01-07T17:06:31","modified_gmt":"2026-01-07T23:06:31","slug":"what-coverage-is-included-in-home-property-insurance","status":"publish","type":"post","link":"https:\/\/www.wenatcheeinsurance.com\/blog\/what-coverage-is-included-in-home-property-insurance\/","title":{"rendered":"What Coverage Is Included in Home Insurance?"},"content":{"rendered":"\n
\"Home<\/figure>\n\n\n

Purchasing a home is a significant milestone for many people. However, before finalizing your closing, it\u2019s important to reserve time to choose the right home insurance policy. The team at Wenatchee Insurance Agency<\/a>, serving Wenatchee, WA, is here to help you select the best coverage for your home and outdoor structures.<\/p>\n

What Is Home Insurance?<\/h2>\n

Home insurance is a broad type of coverage that protects against damage, destruction, and loss to your home\u2019s structure, personal assets and outdoor structures, like a shed, detached garage or fences. Most mortgage lenders require you to have enough property insurance to pay for all the structures that need to be rebuilt in the event of a disaster. Regarding your personal belongings, most home insurance policies offer worldwide coverage, including items in storage and in your vehicle.<\/p>\n

Personal Liability Insurance Coverage Is Often Included<\/h2>\n

In addition to covering physical structures and belongings, your home insurance usually includes personal liability coverage. Liability coverage responds to claims resulting from bodily injury or property damage that you cause to others by\u00a0paying for the injured person\u2019s medical expenses and rehabilitation care, up to your policy’s liability limits. For example, if someone falls down and hurts themselves on your property, your home insurance would respond. It also covers legal fees and court-ordered awards up to the policy\u2019s liability limit if you’re sued.<\/p>\n

Home Insurance Doesn\u2019t Cover Every Disaster<\/h2>\n

Property coverage reimburses policyholders for repairs and replacement costs for damage to attached and non-attached structures, such as your home, garage, and fences.<\/p>\n

However, flooding, sewer backup, and earthquake damage are always excluded from standard property insurance. Some home policies exclude coverage for wildfire damage, especially if your home is located in a wildfire zone. To protect against these disasters, you\u2019ll need to purchase separate coverage or add coverage to your existing home property policy.<\/p>\n

Flood Insurance has separate policies<\/a> and we have a portal set up if you want a fast quote.\u00a0<\/p>\n

Call Us for a Home Insurance Review<\/h2>\n

If you\u2019re unsure whether property insurance is necessary, consult with an insurance specialist here at Wenatchee Insurance Agency<\/a>, serving Wenatchee, WA. Our team can help you determine the type of property coverage you need to protect your home and other structures on your property. Contact us to learn more about your options.<\/p>\n

\u00a0<\/p>\n\n\n

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talk with Shayla<\/a><\/div>\n<\/div>\n\n\n\n
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<\/p>\n","protected":false},"excerpt":{"rendered":"

Purchasing a home is a significant milestone for many people. However, before finalizing your closing, it\u2019s important to reserve time to choose the right home insurance policy. The team at Wenatchee Insurance Agency, serving Wenatchee, WA, is here to help you select the best coverage for your home and outdoor structures. What Is Home Insurance? […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[224,44,42,451,212,67,29,35,148,450,402,17,39,59],"class_list":["post-1343","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-allstate","tag-chelan-county","tag-douglas-county","tag-foremost","tag-grant-county","tag-home-insurance","tag-insurance","tag-okanogan","tag-property","tag-safeco","tag-wa","tag-wenatchee","tag-wenatchee-insurance","tag-wenatchee-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t