Standard policies, such as the common , typically include four primary types of protection:
: 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
: 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? Standard policies, such as the common , typically