That’s why it’s so helpful to have our agents walk you through what your home insurance policy covers—coverage may also vary significantly by policy. Typically, homeowners insurance covers home repairs caused by unavoidable forces of nature, such as hail or fire. However, coverage does not end there. Home insurance policies will usually cover common household items like appliances, furniture, electronics, and tools. In addition, you can add supplemental coverage for keepsakes and recreational items like cameras or jewelry.
Home insurance typically covers natural threats, but you may not have coverage against any and all natural forces. For example, policies may cover damage caused by lightning, wind, and hail, but not flooding. Other common threats homeowners policies do cover are fire, theft, vandalism, and plumbing system malfunctions.
In some cases, it makes sense to bundle your home insurance policies with other types of insurance to complete your coverage. For example, umbrella insurance may offer protection if someone is injured in your home and seeks compensation for their injuries. You may also need separate insurance policies for recreational vehicles stored on your property, such as boats or snowmobiles.