65 Things Your Homeowners Insurance Covers
I'm super excited about today's list.
In this new post, I am going to list everything your homeowners insurance will cover either as a standard part of your policy or at an additional cost.
First, I’ll go over what home owners insurance is, how it works, and how you can get home insurance quotes.
Then, I’ll list out each item individually with some detail about how the benefit will work.
Sound good? Let’s dive right in…
What Is Homeowners Insurance?
"In Plain English," homeowners insurance is insurance protection for your physical home, things in your home, and surrounding your home.
It can be broken down into a few different areas that make up your whole policy:
This type of coverage is usually used to repair or rebuild your home when damage from a covered loss happens.
It's always a great idea to purchase your dwelling coverage based on the cost to actually rebuild your home. This way if pricing goes up based on third party situations you will be covered.
Other Structures Coverage
This is coverage for damage to detached structures that are still a part of your property like garages, sheds, or fences .
Personal Property Coverage
Personal property coverage can cover you if personal items in your home are damaged, stolen or destroyed like furniture and clothes.
Loss of Use Coverage
Loss of use coverage will pay your additional living expenses if you must move out of your home while it's being rebuilt.
Personal Liability Coverage
Personal Liability coverage is going to kick in if you or your household are personally responsible for causing bodily harm or property damage to others.
Before we go over this list I want to give a quick disclaimer; no two home owners insurance polices will be the same.
If you check out our Hippo Review, you will notice that both the coverage limits and deductibles will be different depending on your situation.
Something that is automatically included in one policy could require a special endorsement or cost extra in another policy.
This list is not specific to anyone’s particular policy, and you should consult either the insurance company, your insurance agency or your policy summary to know exactly what’s covered by your homeowners policy.
So, here we go!
Airplane Engine (Falling From The Sky)
You probably asked yourself "What would I do if that happened to me?"
I am sure none of us can imagine coming home to find a jet engine sitting in the middle of our living room.
Well don't be alarmed, an event like this would be covered by your home owners insurance.
Let's be honest, a majority of us have a lackluster art collection in our home and probably wouldn't think twice about replacement costs for it.
This isn't for you...
If you have a substantial art collection the good news is that it will be covered by your home insurance.
It is always best to read over your policy specifics to see how much coverage you will have.
Your homeowners policy is definitely going to cover your jewelry.
However, how much it covers, and the types of loss that are covered will depend on your policy.
Some policies will cover you if your jewelry is lost or stolen and some won't.
So, it's very important to read the fine print of your policy when it comes to your jewelry.
For some people its stamps, and others sports memorabilia, but for me, it's 100% action figures.
You might not understand it, but for me and a large number of others, action figures are the only things worth collecting.
But enough about me...
If you find yourself in a situation where your collectibles are stolen or destroyed, your insurance will cover some of the costs.
The main issue is how much will it cover and under what type of loss will it cover.
Let's say lost the shown action figure of Optimus Prime.
Would my homeowners cover the original cost of the action figure or its current value?
It's very important to understand how your policy will cover your collectibles and important to obtain additional coverage if necessary to cover your full collection.
I wouldn't call myself a watch snob, but I do have my preferences.
If you don't know anything about watches, they can be very affordable or extremely expensive.
The worst thing to happen is to lose one, or drop it or have it stolen.
If this happens, your home insurance will cover it.
You will want to see how your watch will be covered, will it be covered under your jewelry protection plan or your personal property plan?
Will you need to add additional coverage to cover your watch?
It's best to figure out how your policy will cover your watch and make sure to up your coverage if needed.
If you have ever experienced the "fake blood" or "red paint" attack, then you know that having coverage for your fur is very important.
While your Fur is covered in a homeowners policy, it is usually attached to the jewelry coverage limits.
In essence, if someone steals your fur and jewelry, usually you can only claim the maximum amount for that limit.
It's very important to make sure that the limits on your home-owners insurance policy will cover the maximum amount of furs that you own.
China & Silverware
I can't think of any household that I have visited that didn't have a China or Silverware collection.
These collections range from different colors, materials and prices.
Your homeowner's insurance will cover these items if a loss happens.
However, as with most things, you need to review your policy for limits and understand how much coverage you will need for your china or silverware.
With all the technology advancements of 2018 it's really easy to find yourself in a position where your identity has been stolen.
Once this happens the process for getting it all figured out can be extremely time-consuming and sometimes cost you money or your ability to purchase a new home or a car.
If you find yourself in this predicament your homeowner insurance will be able to fit the bill for fixing almost everything.
This can include the cost of lost wages, phone bills and possibly even legal representation.
As always should check the specifics of your policy to see if it's part of your policy and how it's covered.
I can honestly say I don't have the mind for looking at or shopping for furniture.
My husband on the other hand, really enjoys the whole process.
Looking for it online, going to the store to see it, purchasing it and then using it.
The whole furniture buying process is long and drawn out for me and some items can be really expensive.
It's very important to make sure you have extra coverage in your policy to cover your furniture if you incur a loss.
You also need to know if your policy will cover only the value of your furniture or the cost to replace your furniture.
Your clothes are covered under what is known as contents coverage.
Usually this is about 50% to 70% of the total dwelling coverage.
So you could say if your dwelling coverage is $500,000, then your contents coverage would be between $250,000 and 350,000.
This would be a solid amount of coverage that will cover all sorts of things.
However, be mindful that specific things might have their own individual limits on the amounts that they will be covered.
Be sure to review your policy for the specifics.
If you are anything like me, and love clothes and shoes, then you will want to make sure you have enough coverage for them.
Another expensive item on the list is going to be workout equipment.
Getting healthy has become the number one goal for almost everyone I know.
Having less time to go to the gym has also become the number one issue for almost everyone I know.
This has sparked a large interest in the creation of in-home gyms.
I have seen some in-home gyms be better fitted than actual gyms.
The best thing is that your gym equipment is covered if you were to sustain a loss.
Now that you know you are covered, don't hold back on getting in shape.
Just make sure you know how your policy works in detail.
Anything You Travel With
No matter how many times you've experienced it, whenever you lose your luggage or had something stolen it can make for a very bad trip.
It might seem like "All Is Lost" if your credit card company or the airport won't cover the cost of your lost luggage or stolen property.
Well there's no longer a reason to be worried, almost all homeowner's insurance policies will cover what's known as off-premises items.
These are the household times that you may lose while traveling.
Be sure to read your policy specifics to make sure there's enough coverage for more expensive items if you plan to travel with them.
Waking up in the morning to find that your carpet is soaked or your floors are flooded with sewage is a horrible feeling.
Luckily for you, most homeowners insurance policies cover this.
It's going to be a hassle to clean up, but at least you're covered for any damages caused by it.
If there is an issue with your service line you might be on the hook for some expensive costs especially if there needs to be any type of excavation or repairs to the service line.
What if you have a nice Stone driveway that goes right over where the service line was laid.
If it had to be dug up, who's going to cover the cost to replace it?
Well... your homeowners insurance will pay for it.
Keep in mind you always need to look at your policy specifics to make sure that you have this coverage.
It's a very unique type of coverage so it's definitely something you should ask about before purchasing a policy
Extended Replacement Costs
Extended replacement coverage is an awesome benefit that increases your initial coverage by 25% to 50%.
The increase is to cover the cost to replace a covered loss instead of just giving you the current value of the item.
Just imagine losing your house to a fire or natural disaster and you can't afford to have it rebuilt because materials and labor have gone up in price.
You won't have that worries if your home owners policy has the extended replacement cost coverage attached to it.
Equipment / Appliance Breakdown
What do you do if your dishwasher suddenly breaks down.
It's great to be able to call out a handyman or lookup online videos on how to fix it.
But what happens when you can't fix it, what happens if it's out of warranty?
Don't worry, your homeowners insurance will cover you.
This type of coverage will cover pretty much everything in your home that uses electric power, in the event of electrical or mechanical breakdown.
This includes your washer & dryer, kitchen appliances, water heaters, and even personal electronics like computers & TVs.
You should check out your specific policy provisions for how this will work with your specific policy.
Some carriers even offer a lower deductible for this type of loss.
I really love my home office.
I can answer some customer calls and knock out a few blog posts, all in the comfort of my own home.
Working from home is becoming more common, especially since 35% of the U.S. workforce are freelancers.
It only makes sense that this would start to be a covered benefit from homeowner insurance companies.
This type of coverage will cover your home office equipment like computers, printers, monitors, and paper shredders.
It's best to look at the policy specifics because some companies offer more starting coverage than others.
This post wouldn't be complete if we didn't mention computers.
While most of us no longer have the huge computer tower and a separate monitor.
Those types of computers are still covered by your insurance.
If you have upgraded to a Laptop or tablet, you are covered as well.
If you are a tech geek like me, it's really important that you understand your policy limits when it comes to covering your tech.
For most of us this is our most prized possession.
Mortgage Payment Protection
When people often lose a home, I find myself saying, "Hopefully they had insurance"
I almost never think about the fact that the mortgage is still due on a home could take 6 months to build before you can move back in.
Even though I didn't think about it, doesn't mean the insurance companies didn't.
If your house becomes uninhabitable, your home owner insurance has you covered.
They will pay your monthly rent, up to a specific amount for up to 12 months while your house is being fixed.
This is a superb benefit and releases you from the financial burden (if even for a moment) of a mortgage.
Imagine if during a freak storm the back of your home was ripped off.
You only had 3 side brick to begin with so getting that part of the house restored shouldn't be too costly since its just vinyl siding.
How would you feel if you found out a new ordinance required homes to all have 4 Side Brick.
Now the cost is going to jump dramatically.
If this happens to you, then you would feel good knowing that you have this ordinance coverage.
In the event that part of your house needs to be rebuilt, but ordinance changes since its construction make the cost much higher than expected, your covered.
As always, be sure to check if the policy you are purchasing has this coverage.
Loss Of Use
Where do you go and what do you do if you lose your home, or even access to your home.
This is where loss of use coverage comes in.
It's going to cover all of those additional living expenses while your home is being repaired.
It's going to cover things like food, hotels, transportation and storage.
Be sure to check the limits with your insurance company, some go higher than others.
Sump Pump Discharge Or Overflow
There are several reasons why overflow or discharge can happen
When you have more water coming in than your pipes can handle, you will get an overflow.
If your pipes get jammed it can create a blockage and both of these events can create havoc in your home and within your walls.
Your sump pump is susceptible to either of these things happening.
If they do, your homeowners will cover the cost to fix any damage associated with the loss.
Losing Your House To A Fire
When you lose your house to a fire it can be devastating.
Not only do you lose your home, but you lose memories that somehow feel like they can't be re-made.
I am sure it will take time to get over your loss, but in the mean time your covered.
Your homeowners policy is going to cover both personal items, your dwelling and attached structures.
You probably want to find out if your fire damage coverage will only cover the value of the items or the cost to replace them.
Losing Your House To A Hurricane
Luckily for me, living in Georgia, we don't get lots of Hurricanes.
We have received some of the aftermath in the form of strong wind, rain and sometimes hail.
I always wonder how people get through the real thing, it just seems so horrifying.
If your home doesn't survive the ordeal then your homeowners insurance will kick in.
It's going to cover the loss of all things associated with the hurricane.
When I think of hail damage, I picture all of the cars that are going to get damaged.
I always hope they get home on time to avoid the hail.
What happens when the hail is so strong that it starts to damage your home?
What can you do if your roof or paint is destroyed?, What about blown out windows?
Well, your insurance will have your losses covered, it will cover your dwelling and surrounding structures.
I have always found lightning to be the most horrifyingly beautiful thing in existence.
The reason for this is that at a distance, its some of the most beautiful artwork that nature creates.
However, up close, a lightning strike can create a fire inside or outside your home.
It can ruin your appliances, your electronics and your wiring inside your walls.
If you get hit by it, you can be seriously hurt, lighting is no joke.
If you suffer a loss cause by a lighting strike, your house insurance has you covered for losses associated with it.
Yep, that's right, even though the majority of us has never seen a volcano.
And most of us probably will never experience a volcanic eruption.
In the off chance that this happens to you, your home insurance will cove it.
So... yeah, volcanoes are covered!
I don't know about you, but when I see the word Fences I immediately think about the stage play, turned movie.
A really great movie in my opinion starring Viola Davis and Denzel Washington.
However, the movie isn't what we are talking about.
We are talking about the fences around your home, if your fence is damaged or destroyed your home owners insurance cover the cost to fix or replace it.
Please be sure to read your policy for what type of loss is covered in regards to your fence.
I know these are covered, I am just not sure how many people are actually using them as a shed for tools.
Either way, if your tool shed is destroyed or damaged, it's considered a surrounding structure and will be covered by your policy.
Think of it as an extension of your home.
If your garage sustains a loss you are covered.
It's easy to think that an attached garage is covered, but most people get unsure when it comes to a detached garage.
Your detached garage will be covered by your homeowners insurance if it's damaged or destroyed.
When you purchase a Gazebo, it's like getting a room, for the outside.
It's really enjoyable and can be a pain to get everything installed right.
If you have damage to it, or it's destroyed, it's going to be expensive to get it fixed.
But guess what:
Just like a detached garage, a Gazebo is a detached structure and is covered under your homeowners insurance.
As always, it's best to check your policy to see how it will cover your Gazebo.
Let's get the confusion about fallen trees cleared up.
If your tree falls on your house, your homeowners insurance will cover the cost.
If your neighbors tree falls on your house, your homeowners insurance will cover the cost.
However, they will go after your
neighbor's insurance company to reclaim the funds and might even be able to pay you back your deductible if you had to pay it.
If your tree falls and destroys your car, your car insurance will cover that.
If your tree falls and destroys a detached structure, your homeowners will cover that up to a specific amount.
If your tree falls and destroys nothing, you will probably be on the hook for the removal of the tree.
If your tree is burned down or hit by lightning, your homeowners insurance will pay to replace it.
Please check your policy for the specifics.
If your yard is destroyed by a fire, vandalism, or lightning, your homeowners insurance will replace the items affected.
Things like flowers, shrubs and trees.
You should check your policy to see if it will cover your yard for water or wind damage as well.
If you have invested in landscaping you should know exactly what will be covered by your policy.
I am 100% sure your mouth dropped when you read the words Counterfeit Money.
But it's true, if you unknowingly receive counterfeit U.S. currency, your homeowners insurance will cover your losses.
Of course, you will have to know the money is fake to file a claim.
You can easily do this by always having a money marker pen on hand.
Dog Bites, Cat Bites, Or Snake Bites
I assure you this isn't the name of a Dr. Seuss book.
Pets can be very unpredictable at times and they can also be very predictable the other times.
Regardless of how your pet feels at a specific moment, if your dog, cat, or snake bites someone you will be covered.
Your liability coverage will kick in and cover any type of claim or suit filed against you for the bite.
If you have an exotic pet, like a pet skunk, you might want to reach out to your homeowners to confirm if that type of pet is covered.
Bodily Injury To Others
Having a party can be really fun.
Especially something like a Wrestlemania Party, Superbowl Party, or even a Floyd Mayweather vs (Whomever) Boxing Party.
If your guests get hurt while on your property though, the fun goes away.
You are now liable for their injury and can be sued to cover the costs associated with it.
If this happens your homeowners insurance will cover you for this.
If someone was hurt at your home and decides to sue you, well you are going to have to go to court.
You are also going to need an attorney to defend you in court.
You probably won't be able to find a good attorney for under $5,000.
But guess what...
Your homeowners insurance is going to cover those costs, they will hire you an attorney and assist with other court costs.
Did you ever say something to someone or about someone and wonder if they were going to sue you for it?
Well if that happens either in your home or off premises.
Your homeowners insurance has you covered.
It's best to always check your policy for the specifics when it comes to being cover for a slander lawsuit.
Let's say you are getting sued by your neighbor because your ceiling fan fell out of the ceiling and landed on them.
You go to court and the judge or jury rules in the favor of your neighbor for $100,000.
Where are you going to come up with that money?
Well, you guessed it, your homeowners insurance will cover that for you.
Please be sure to read your policy for the specifics on how this will be covered.
Medical Costs Of Others
If someone is injured in your home, they won't always seek to file a suit against you.
Not your real friends anyway.
However, you are still responsible for their medical costs and you shouldn't have any problem covering them.
Luckily for you, your homeowners insurance will cover their medical costs as part of your liability insurance protection.
Kidnap & Ransom
Ok, hear me out.
Kidnap & Ransom Insurance might seem like the most outlandish thing.
However, studies show that you are in the most danger of being kidnapped at your home when returning from a trip because your guard is let down.
It's estimated that more than $1.5 Billion per year is paid out in ransom payments.
We all think it won't happen to us, however, it's happening every day.
If you are taken for ransom, your homeowners insurance can assist your family with the ransom money.
This is a very specific type of coverage so be sure to ask the home owners insurance company if they offer it.
Your Parents Property
We would all love to be able to keep our family around us for as long as possible.
Especially our parents; however, this can't always be the case.
It could be due to lack of space or sometimes the lack of understanding how to care for a family member.
If your parent live in an Assisted Living facility or Nursing home, and they depend on you for support.
Their items can be covered by your homeowners insurance if they were to cover a loss.
Let's say you have a renter in your basement.
They pay rent on time and are a very good tenant.
You go out of town on a business trip and you receive a call from the Tenant that the house burned down.
Of course your first question will be "Is everyone ok?" (or at the least it should be).
After that, you are probably going to file a claim with your homeowners insurance company and wait for the property to be rebuilt.
What you might not have known is that since you rent out part of your house.
Your policy will also cover you for the rent that you would have collected from your tenant if your home had not been destroyed
I bet almost no one ever reaches out and asks their homeowners insurance company to pay for their spoiled food after a covered peril.
But here's the thing:
If you lose power for days because of a covered loss or peril like a storm.
Your home owners insurance will cover the cost of the spoiled food.
Be sure to take pictures of the food and also check your policy to see the limits on the coverage.
Weight Of Snow Damage
When we get snow down here in Atlanta, it always seems like we are going to war.
Everything closes, even the highways become mass parking lots.
People literally just get out of their cars and start walking.
After all the chaos is over and things have settled down, it really is a beautiful sight to see the snow everywhere.
But what happens when that snow is so heavy that it completely causes your roof to collapse?
Well, you better call your homeowners insurance company because they will cover it.
And I can't say this enough, read your policy to see exactly how it will work.
Student Property (On-Campus)
I am sure when you send your kids off to school you are more worried about their well being than if their laptop is broken.
However, they are more worried about the broken laptop most of the time.
Your homeowners insurance will cover your student's property while they live on campus.
If they suffer a loss to their items, the policy would function as if it happened in your own home.
Its a great Idea to have a pool party.
I definitely recommend people have them, because I love to swim.
If someone is hurt in your at your pool party in your swimming pool, the liability part of your policy will cover the costs.
This is probably something you are least likely to expect to happen, but it does happen.
Explosion coverage is a standard peril for almost all homeowners policies.
In the rare situation you lose your home this way, to start rebuilding it's best to reach out and file a claim.
You don't really know when or if a riot is going to break out.
You definitely can't predict where it's going to happen.
If your home suffers a loss from riots, you are covered by your homeowners insurance.
Smoke can damage more than just your lungs.
It can pretty much destroy everything in your home, ho matter how nice it looks on the outside.
In most cases you will have to get new carpets and throw out all of your furniture.
It's fine though, your damages are covered by your homeowners.
You want to make sure that you check for soot damage along with the smoke damage before filing a claim.
Grave-markers and Tombstones are considered personal property and are covered under most home insurance policies.
It's unthinkable that people would vandalize the resting place of your love one, but it does happen.
Trees fall, and lightning can strike, in those events, it's great to know that you are covered.
In my mind, I usually only associate mold with getting sick, but I know it can cause more damage than just making you sick.
It also will have to be cleaned and removed by the appropriate cleaning materials.
The proper cleanup and removal of mold can cost thousands of dollars.
Mold is not covered by long term neglect or maintenance you haven't kept up.
Your mold is usually covered by your policy as long as it is caused by a covered peril in your policy.
So if it's caused by a tree falling on your home or a pipe that burst, your covered
I still can't find a reason why terrorist attacks seem to keep happening.
For most of us, when we hear terrorism, we think about the middle eastern countries or the 9/11 attacks.
We don't associate it with domestic terrorism at all.
But terrorism can happen anywhere, no one is immune to it.
If a terrorist attack destroys your home, you will be covered by homeowners insurance.
Be sure to check the provisions of your policy for exact details on how you are covered.
I am sure you remember the scene on Jumanji (The Robin Williams version), where there is a complete onslaught of stampeding animals.
Well this will probably never happen to any of us.
However, in the event that you encounter stampeding animals that you don't own, your covered.
Your homeowners policy will cover for stampeding animals.
It seems like an odd thing to cover... until it's not.
No one is expecting to need meteorite coverage, but no one can control rocks floating through outer space.
If your house is hit by one large meteorite or several medium sized meteorites you are covered.
Your homeowners will kick in and cover the costs.
Just be on the lookout for the Men In Black, because your homeowners doesn't cover secrete agents.
Is it just me or does anyone else just love to watch P.Allen Smith's Garden Home?
I am always fascinated at how well he keeps the garden and all of his techniques for growing your own food and herbs.
I am sure that if his garden was to suffer a loss due to fire or any other peril he would be devastated.
Heck, I would be devastated for him.
Fortunately for all of us, our homeowners insurance will cover the damage or destruction of our garden due to a covered peril or loss.
This should be pretty straight forward for most of us.
If you lose your luggage or it has a mysterious disappearance.
Your homeowners insurance will cover the loss.
It will cover both the luggage and the items inside of the luggage.
Fire Department Bills
So, your house is on fire, you dial 911 and the firetrucks show up.
They eventually put out the fire.
You go through the whole process of getting your home back in shape for you to move in.
You receive a bill from the fire department for services associated with them coming to put the fire out.
I don't think anyone would be ready for that bill, we might even think it's fraud.
That's because most home insurance companies will cover the cost related to the fire department.
That means, we probably never get the bill; however, this coverage isn't on every policy.
Be sure to understand the limits of your policy in regards to this type of coverage.
When we incur a covered loss, it's easy to forget that one of the most important items we could lose is Data.
If you lose valuable or important data during a covered peril, your homeowners insurance will cover you to replace the data.
This includes things like software, text, images, video and audio.
You will have to speak with your home owners insurance company about how much coverage you get for the loss of Data.
If you lose important data during a covered loss, you would be covered up to $1,000 to replace that data on your equipment.
This includes software, text, images, video or audio files.
Passports & Valuable Papers
If you lose any of those important papers or valuables during a covered peril, your homeowners insurance will cover you.
We are talking about things like securities, deeds, insurance policies and other legal documents.
This also includes passports of course and the coverage will be to replace or restore the documents.
Crime Scene Cleanup
I am an ID Addict, for those that know what that is, you know where I am going.
If you don't know what it means to be an ID Addict, then listen up.
If any crime happens at your home, from a stabbing, to a shooting, or even a murder.
You are responsible for the cleanup.
If you have ever seen a picture of a crime scene, you will quickly understand that they aren't easy to clean.
If this crime happened to you or your loved ones, you are going to be even less likely or able to clean it up.
Your homeowners insurance will cover the cost to hire someone to clean it up for you.
Your Door Locks
If you have ever misplaced keys, welcome to the club.
This won't be the last time you misplace them.
In the event that you really can't find them, your homeowners insurance may cover the cost to replace your locks.
Of course, you need to check your policy provisions.
Your Dog's House
Think of your dog's house like a miniature version of your house.
For most of us, our house is our dogs house.
But for those of us that have a separate home for our dog.
It is considered a surrounding structure and if it's destroyed or damaged due to a covered loss, your homeowners will cover it.
The worst thing that can happen when preparing for a wedding is having to find a new venue at the last minute.
If you decided that you want to get married in your back yard to save on money and travel expenses for the family, that's great.
Budgeting for a wedding is awesome.
But, if by chance, a storm destroys your backyard or a tree falls a few days before the wedding.
Don't get too stressed out.
Your homeowners insurance will assist with covering the cost to relocate your weeding.
Reward Money (For Stolen Items)
If you come home from work one day to discover that your home has been robbed, you are going to freak out.
The next thing you need to do is call the police and then reach out to your homeowners insurance company.
You realize that they have stolen your grandmothers wedding ring.
This was so traumatic for you that you put out a reward for the capture and prosecution of the thief.
Your homeowners insurance will cover you up to a specific amount to pay out the reward money if the thief is captured.
As you can see, the list of things that are covered by a homeowners insurance policy can be massive.
It's important to get some quotes and go with the option that best suits you for price and coverage.
It's great that you have started the journey of purchasing homeowners insurance for your family; just don't stop midway.
You can also get a homeowners insurance quote here, remember, we don't need your contact information to give you a quote.
Thanks For Reading... Before You Go!
Do you know of any other things a home insurance policy will cover? I would love to hear your thoughts in the comment section below.