Fox Insurance Agency Blog

All You Ever Wanted to Know About Insurance

What Is Standard Coverage?

How many times have you heard the term “standard coverage”? Although you’ve probably heard it several times, you may not understand what it means. In this blog post, we’d like to help fix that.

Standard coverage is a term that insurance professionals use to describe the most basic coverage for any type of insurance. Although the coverage details may vary slightly from policy to policy, purchasing standard coverage usually means you are purchasing basic insurance coverage without any special additions. For certain required forms of insurance such as auto, home and workers compensation, standard coverage means that your policy meets the legal minimums or minimum industry standards.

Is standard coverage enough? The answer to this question will depend on your individual situation as well as the type of insurance you are purchasing. The insurance professionals at Fox Insurance Agency will take the time to get to know you. We’ll assess the risks you face and explain what standard coverage will mean for you. If you need more than standard coverage, we can help you find affordable extended coverage solutions that will protect you and your family against additional risks.


For personal insurance purposes, the two primary types of insurance that include standard coverage options are auto and home. Standard coverage on auto insurance generally means insurance that extends only to the legal minimums. Depending on your state of residence, this may include no-fault medical coverage as well as liability insurance, but it won’t include collision or comprehensive coverage on your own vehicle. Standard coverage for homeowners includes basic dwelling coverage, belongings protection, personal liability insurance and medical coverage for guests injured in your home. It does not include special coverage such as vacant dwelling coverage or flood insurance.

Contact Fox Insurance Agency today to learn more about standard coverage for all your personal or business insurance needs. We’ll help you understand the details and work with you to find more extensive coverage if necessary.