Does my homeowner’s insurance policy protect me?

It may or may not protect you. This must be discussed with your insurance representative who holds this insurance policy for you as coverage can vary between insurers. If it does cover you, then your homeowner’s insurance company must issue the mandatory insurance certificate form required by the municipality and/or property owner. This form is available on their website. We recommend you fully discuss the pros and cons of adding coverage to your homeowner’s policy with your insurance representative.