What items are covered by homeowners insurance?

What items are covered by homeowners insurance?

Homeowners insurance typically covers personal property like furniture, electronics, and clothing, as well as structural damage.

Does it cover my jewelry and expensive art?

Jewelry and art may be covered, but often have limited coverage. You might need additional riders for full protection.

What about natural disasters? Are they covered?

It depends on the type of disaster. Standard policies usually cover fire and theft, but floods and earthquakes often require separate policies.

How can I find out the specific coverage of my policy?

You can review your policy documents or contact your insurance agent for detailed information about your specific coverage.