Does My House Insurance Cover That?

Close up of hands holding a miniature house and a set of keys

Navigating your homeowner’s insurance can be tricky. Does it cover a fire? Does it cover a flood? Does it cover the snow that melts from your roof into your home? If you have a ton of questions on your list, you aren’t alone. Plenty of homeowners are also confused about what their house insurance policy does and does not cover. While every house insurance policy is different, let’s cover some of the basics.


First thing’s first: let’s talk about the cost of your homeowners insurance. The cost depends on your type of home and its features in addition to the value of your personal belongings within the home. Some people opt for additional coverage. The cost of home insurance may increase to cover other structures on the property, including garages, sheds, and fences. Home insurance may also increase in cost to cover any liabilities for damage to others’ property.

Natural Disasters

Most homeowners insurance policies cover certain common natural disasters, such as fires, lightning strikes, hail, and windstorms. However, an earthquake, sewer backup, or a flood is not likely to be covered. You must also consider that if a home disaster is caused by your own negligence and failure to update your home to safety standards, your house insurance will not cover you when disaster strikes.

Personal Property

When you take out a home insurance policy, it’s important to have a strong idea of how much your valuables are worth. This includes furniture, electronics, and other housewares like clothing and décor. In case of a fire or theft, your personal property coverage may entitle you to reimbursement or replacement of items.

Liability Coverage

Accidents happen no matter how careful you are. That is why, as part of your home insurance policy, you can take out liability coverage to help cover an accident should one occur. If an accident occurs at your home to a guest, your insurance policy may cover their medical expenses or lost wages. You may even be entitled to coverage of legal expenses. If you damage someone else’s property, your policy may cover the cost of the damage.

There are monetary limits to what is covered in your policy, and policy deductibles range. It is important to note once again that all homeowners insurance policies are different. Talk to your insurance agent to garner a better understanding of your existing coverage and how you can adjust it. For a more in-depth look at homeowners insurance, you can also review this article or contact us.

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