Terms of Use:
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:
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fire
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lightning
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windstorm (including hurricanes and tornadoes) or hail
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explosions
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riot or civil commotion
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aircraft and vehicles
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smoke
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theft or vandalism
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falling objects
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weight of ice, snow or sleet
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freezing of plumbing, heating, air conditioning or other household systems.
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Personal liability covering if you, your family or your property injures someone.
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Costs for temporary housing while you are displaced from your residense.
What's generally not covered:
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Damage caused by floods and earthquakes
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Other exclusions often include neglect (such as tile grout failing), intentional loss, earth movement, general power failure and damage caused by war.
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