A Homeowner's Guide

Am I Covered? 
A Home-owner's Guide To Insurance.
The fastest way to learn what’s covered is by reading the declarations page of your policy. What’s below is a rough guide to typical policies.
What's covered under a typical home-owner's policy:
  • Most furniture, appliances, electronics and tools. 
  • Liability and medical expenses for injuries and property damage for which you are responsible, up to your policy limits. 
  • Limited living expenses if you are forced to vacate your home because of a loss. 
What may not be covered:




  • Jewelry, collectibles, firearms and other expensive items in excess of certain limits, typically $1,000 to $2,500. 
  • Business equipment, including computers used for work, in excess of certain limits, typically $2,500. 
  • Sewer or drain backups. 
  • Liability coverage for pools, trampolines and other high-risk items. 
  • Mold. 
What's not covered:
  • Cracks or settling in the foundation. 
  • Neglect, wear and tear or intentional damage. 
  • Flood or earthquake damage. Coverage for either is available separately. 
  • Landslide or other earth movement. 
  • War or nuclear explosion. 
  • Pest damage. 
  • Pet damage
10 discounts to ask for:




  • Multi-policy (home, car or more with the same company). 
  • Smoke detectors. 
  • Fire extinguishers and sprinkler systems. 
  • Burglar and fire alarms that ring at an outside service. 
  • Deadbolt locks and fire-safe window grates. 
  • 55 years old and retired. 
  • Long-time policyholder. 
  • Upgrades to plumbing, heating and electrical systems. 
  • Earthquake retrofitting. 
  • Wind-resistant shutters.