: 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
: Pays to repair or rebuild the physical structure of your home if it is damaged by a "covered peril" like fire, smoke, wind, or hail. 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? : Damage from normal wear and tear, mold,
: Most policies do not cover floods or earthquakes. such as fences
: Protects detached buildings on your property, such as fences, sheds, or detached garages.