According to House Logic, you’d be surprised at what your home insurance policy doesn’t cover. Here’s what is and isn’t covered by your insurance.
What does your homeowners insurance cover? The short answer is: “A basic homeowners insurance policy (called HO-1 in insurance lingo) covers your home and possessions if they’re damaged or destroyed by these things:
- 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 many states don’t allow this basic policy to be sold. Instead, you have to buy an upgraded policy that covers more perils.