Accidental discharge or overflow of water or steam.Damage caused by vehicles (not your own).Damage caused by aircraft (not your own).In an HO-3, your personal property is protected against 16 types of damage, or named perils, which include: HO-3 policies, the most common form of home insurance, protect the structure of your house against “all risks,” which means you’ll be covered unless the problem is listed as an exclusion in your homeowners policy. Types of damage covered by Allstate home insurance You can typically get up to $5,000 in this coverage. Medical payments to othersĬovers the medical expenses of a visitor who is injured on your property - when the incident is not significant enough for a liability claim - regardless of who was at fault for the accident. You can typically get $100,000 to $300,000 in liability coverage.
Pays someone else for injuries or property damage you cause (for example, if your dog bites someone) and provides for your legal defense if you’re sued over the matter. Examples of costs covered include hotel rooms, laundry service and meal delivery. Reimburses you for costs you wouldn’t normally pay if you were living at home but have to cover because your house was damaged by a covered loss and left uninhabitable, like if your house burns down after a fire.
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You may be able to upgrade to replacement cost coverage to be paid out at today’s prices for your damaged belongings. It typically pays out for your belongings’ actual cash value, which means depreciation is factored into your claim reimbursement. Reimburses you if your personal belongings, such as furniture, electronics and clothes, if they are stolen or damaged by a covered problem in your policy. Pays to repair or rebuild detached structures on your property, like detached garages, fences and gazebos if damaged by a covered problem in your homeowners policy. Your dwelling limit should be equal to your house’s replacement cost, or how much it would cost to rebuild it to its former state with similar materials after a covered loss, like a house fire. Pays to repair or rebuild your house’s structure after it’s damaged by a covered problem in your policy, like an electrical fire or a tree crashing down on your roof in a storm. Allstate’s home insurance policies include the standard types of coverage you’d expect in an HO-3 policy, the most common type of home insurance.
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