Below we have identified what is generally covered by a standard homeowners policy, but you need to talk to your insurance agent to understand specifically what your policy covers and up to what amount.

What's generally covered:

• Damage to both structures and personal property caused by:

• fire

• lightning

• windstorm (including hurricanes and tornadoes) or hail

• explosions

• riot or civil commotion

• aircraft and vehicles

• smoke

• theft or vandalism

• falling objects

• weight of ice, snow or sleet

• freezing of plumbing, heating, air conditioning or other household systems.

• Personal liability covering if you, your family or your property injures someone.

• Costs for temporary housing while you are displaced from your residense. 

What's generally not covered:

• Damage caused by floods and earthquakes

• Other exclusions often include neglect (such as tile grout failing), intentional loss, earth movement, general power failure and damage caused by war.