01.Core Concepts

The homeowners policy automatically includes several additional coverages: Claims expenses (e.g., court costs, attorney fees) are covered in addition to the policy limits for liability damages The insurer pays any first-aid expenses incurred for bodily injury covered under the policy Damage to property of others pays up to $1000 per occurrence for property damage caused by an insured, with some exclusions Certain loss assessments are covered up to $1000