KBID 586 Date Created: 7/30/2008 Date Modified: 7/30/2008
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:
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.
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.