What Does Homeowners Insurance Cover?

Home insurance coverage generally covers your home and possessions when damaged by:

  • Fire
  • Lightning
  • Windstorm (unless you live in a hurricane zone)
  • Hail (not available everywhere)
  • Explosion
  • Riots
  • Civil commotion
  • Aircraft  (and things falling from aircraft)
  • Vehicles (and things thrown from vehicles)
  • Smoke
  • Vandalism (although some policies exclude this)
  • Malicious mischief
  • Theft
  • Volcanic eruption

But that’s just the basics.  To read about upgraded policies and, more importantly, what homeowner’s insurance doesn’t cover, check out this article by House Logic:

Visit houselogic.com for more articles like this.

Copyright 2013 NATIONAL ASSOCIATION OF REALTORS®

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