What Does Home Insurance Cover In Feb 2024? | 65 Things We Found!

Written By Licensed Agent Sa ElFebruary 9, 2023

Trying to figure out what your home insurance policy will cover can be complicated. 

But the truth is that:

The best way to know what your specific policy will cover is to get your homeowners policy out and read it. 

In this post, I am going to answer the question of what does homeowners insurance cover and what is included as either a standard part of your policy or what parts of coverage will require an additional cost. 

what does homeowners insurance cover

Then, I’ll list out each item individually with some details about how the benefit works. Along with that, we put together a list of 65 things a home insurance policy can cover. Sound good? Let’s dive right in


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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:

Dwelling Coverage

homeowners cluster

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 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


A quick disclaimer; no two home owners insurance policies 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. It's best to check out our post on how to buy homeowners insurance if you need more information about the right amounts of coverage to buy, or you can use our quick homeowners insurance calculator

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 homeowner's policy.  Meaning, finding the best homeowners insurance in Texas is going to be different than finding the best home insurance in PA or for someone who is moving to Atlanta. 

If you are currently purchasing your home you should probably ask your real estate agent to help you find an insurance agent.

What Does Home Insurance Cover?


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.

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.


Jewelry & Hand Crafted Jewelry

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 may cover you if your jewelry is lost or stolen and some won't. 


Let's say you buy a silver cuban link chain necklace, but you already own a half pearl and half chain necklace.

If the value of these items together come out to costing more than your policy will cover, you would still be responsible for anything left over.

So, it's very important to read the fine print of your policy when it comes to your jewelry even if you only have a renters policy.



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 may 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 may cover your collectibles and it's 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 may 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 may 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 cover the maximum amount of furs that you own.



China, Silverware, and Expensive Knife Sets

Most households have a China or Silverware collection. These collections range from different colors, materials and prices.

And here's the thing: 

If you are like me, you defiantly went all out on your kitchen knives. In-fact, my Damascus Steel Kitchen Knife Set is probably one of the most used items in my home and one of the most expensive. 

However; your homeowner's insurance may cover these items if a loss happens. With most things, you need to review your policy for limits and understand how much coverage you will need for your China, Silverware or Knife Sets.



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Identity Theft

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.

identity thefth

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 may 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 may cover all sorts of things.

However, be mindful that specific things might have their own individual limits on the amounts that they will cover..

Be sure to review your policy for the specifics.

If you are anything like me, and want to protect your favorite jamaican shirts or some custom shoes, then you will want to make sure you have enough coverage for them.

homeowners insurance


Workout Equipment

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.

workout equipment

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

There is no replacement for a good travel insurance company.

However, if you find yourself in a position of losing your luggage and you don't have coverage it might seem like "All Is Lost". 

But, if you have homeowners insurance your policy may coverage the things you lost because of  damage to the house or apartment. 

anything you travel with

Having a good homeowners insurance policy can offer you some peace of mind when traveling, and make sure that if something goes wrong, you may be covered!

It is always important to read the fine print on your homeowner's policy before leaving for your trip. That way you know exactly what kind of coverage you have


Water Backup

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.

Water Backup


Service Lines

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.

service lines

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.

extended replacement costs

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? 

equipment appliance breakdown

Don't worry, your homeowners insurance may cover you.

This type of coverage may 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.


Home Office

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. 

home office

It only makes sense that this would start to be a covered benefit from homeowner insurance companies.

This type of coverage may 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.


Personal Computers

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.

personal computers

If you have upgraded to a Laptop or tablet, you are covered as well, remember to always check your coverage options because your laptops might be covered under business insurance 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.

mortgage payment protection

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.


Ordinance Coverage

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.

Ordinance Coverage

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.


Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get Home insurance coverage within minutes of getting your quotes and applying.


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.

loss of use

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.

sum pump discharge

Your sump pump is susceptible to either of these things happening.

If they do, your homeowners may cover the cost to fix any damage associated with the loss.

Just remember, to keep your basement dry, it's really important to have a working basement sump pump.


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.

Losing Your House To A Fire

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.

Just look at how renters insurance covered this one renter here.


Losing Your House To A Hurricane

Luckily for me, living in Georgia, we don't have much to worry about when Hurricane season starts.

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.

Losing Your House To A Hurricane

If your home doesn't survive the ordeal then your homeowners insurance coverage will kick in.

It's going to cover the loss of all things associated with the hurricane.


Hail Damage

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?

hail damage

What can you do if your roof or paint is destroyed?, What about blown out windows?

Well, your insurance may have your losses covered, it will cover your dwelling and surrounding structures.


Lightning Damage

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. 

lightning damage

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.


Volcanic Eruption

Say What?

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!

volcanic eruption



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.


Tool Shed

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.

tool shed


Detached Garage

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.

Things inside your garage like a moped might be covered by moped insurance.

detached garage



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 may cover your Gazebo.


Falling Trees

Let's get the confusion about fallen trees cleared up.

If your tree falls on your house, your homeowners insurance may cover the cost.

If your neighbors tree falls on your house, your homeowners insurancemay cover the cost.

falling tree

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 may cover that.

If your tree falls and destroys a detached structure, your homeowners may 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.

And Finally:

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.


Your Yard

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 may cover your yard for water or wind damage as well.

your yard

If you have invested in landscaping you should know exactly what will be covered by your policy.


Counterfeit Money

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 may cover your losses. 

Of course, you will have to know the money is fake to file a claim. 

counterfeit money

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.

dog bite

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.

bodily injury

If this happens your homeowners insurance may cover you for this.


Court Costs

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...

court costs

Your homeowners insurance is going to cover those costs, they will hire you an attorney and assist with other court costs.


Home Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get Home insurance coverage within minutes of getting your quotes and applying.



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.


Court Settlement

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?

court settlement

Well, you guessed it, your homeowners insurance may 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.

medical cost

Luckily for you, your homeowners insurance might 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.

kidnap ransom

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.

While you might need to grab a few small cash loans to cover the difference, having some coverage is better than no coverage.

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.

parents property

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.


Tenant Rent

Let's say you have a renter in your basement.

They pay rent on time, have their own renters insurance, and are a very good tenant.

Tenant Rent

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.


Spoiled Food

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.

spoiled food

Your home owners insurance may 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.

weight of snow

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 may 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 may cover your student's property while they live on campus.

student property

If they suffer a loss to their items, the policy would function as if it happened in your own home.


Swimming Pool

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 may cover the costs. 

swimming pool



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.


Your homeowners insurance is going to cover those costs, they will hire you an attorney and assist with other court costs.



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.



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