Here are the key types of coverage typically included in a homeowners insurance policy:

• Dwelling Coverage
  Protects the structure of your home against damage from covered events, such as fire, windstorms, hail, or vandalism.

• Personal Property Coverage
  Covers your personal belongings, such as furniture, electronics, clothing, and appliances, if they are damaged or stolen.

• Liability Protection
  Provides coverage if someone is injured on your property or if you accidentally cause damage to someone else's property. It can help cover legal fees and medical expenses.

• Loss of Use (Additional Living Expenses)
  Pays for temporary living expenses if your home becomes uninhabitable due to a covered loss, such as a fire or natural disaster.

• Medical Payments Coverage
  Covers medical costs for guests who are injured while on your property, regardless of fault.

• Other Structures Coverage
  Protects structures on your property that are not attached to your home, such as garages, sheds, or fences.

• Flood Insurance (Optional)
  Not included in most standard homeowners policies, flood insurance can be added to protect your home from water damage caused by flooding.

• Earthquake Insurance (Optional)
  Protects against damage caused by earthquakes, which are typically not covered by standard homeowners insurance.

At V SNAP Insurance Services LLC, we work with a range of trusted insurance providers to help you find the right homeowners insurance policy that fits your needs and budget. We’re here to ensure you have the protection you need to safeguard your home and everything inside it. Let us help you secure peace of mind with the right coverage.