: Covers legal defense costs and medical bills if a visitor is injured on your property or if you accidentally damage someone else's property. What is Usually Excluded?
It is important to note that standard policies often specific high-risk events. You may need separate riders or policies for: home owner insurance
: Reimburses you for personal items like electronics, furniture, and clothing—even if they are lost or stolen while you are away from home. : Covers legal defense costs and medical bills
: Damage from normal wear and tear, mold, or pest infestations (like termites) is typically not covered. Key Concepts for Policyholders What Does Homeowners Insurance Cover? - Allstate home owner insurance