You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard: Dwelling. Pays to repair or rebuild the structure of your home.

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Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

Customers in 11 states can also opt in to getting real-time driving-based insurance. This means your premium can be cheaper if you're a safer driver. The higher your Safety Score is, the lower ...