Are Items on My Property Covered in My Homeowners Policy?

Homeownership brings both joy and responsibility. As you settle into your new abode, it’s crucial to safeguard it against unexpected events. Homeowners insurance can offer that safety net, financially shielding your property and personal belongings from various risks. Whether you’re a seasoned homeowner or a first-time buyer, understanding your policy can help ensure peace of mind.

What Does Homeowners Insurance Cover?

Homeowners insurance can offer vital financial protection for your property and personal belongings. A typical policy encompasses the following coverage:

• Dwelling coverage can pay for repairs, replacements or rebuilding your home’s structure after covered perils. This can include events like fire, theft, vandalism, lightning strikes, wind damage, hail and falling tree branches.
• Other structures coverage can help cover structures not attached to your home, such as a detached garage or gazebo.
• Personal property coverage can financially cover items such as furniture, clothing, kitchen appliances, and heating and cooling systems. If these personal items are damaged or destroyed due to covered losses, your homeowners insurance may help pay for their replacement.
• Liability protection can help cover medical expenses and legal costs if you’re found liable for an accident or injury that occurs within your home or on your premises.
• Additional living expenses can help pay for temporary living expenses if your home becomes uninhabitable due to a covered event.

What Types of Items Are Covered by Homeowners Insurance?

Personal property coverage may help cover the cost of repair or replace the following types of items:

• Furniture—Sofas, tables, chairs and other furnishings
• Clothing—Wardrobe, shoes and accessories
• Appliances—Refrigerators, dishwashers, washers and dryers
• Electronics—TVs, stereos, computers and other gadgets
• Home Decor—Rugs, curtains and window treatments
• Other Possessions—Books, dishes and kitchenware

Policies can vary across insurers, so it’s essential to understand the nuances and financial limits of your specific coverage. You may need additional coverage for jewelry, art or other valuables.

Does Homeowners Insurance Cover Outdoor Items?

Homeowners insurance can apply to the following outdoor items:

• Deck or patio—If your deck or patio is attached to your house, it may be covered under your dwelling coverage. Verify with your insurer to confirm its inclusion.
• Sheds and outbuildings—These structures may be considered “unattached adjacent structures” and may be covered under other structures coverage. Sheds, outbuildings, in-ground pools and detached garages may fall under this category, protected against the same perils as your home, depending on the policy.
• Personal property—Items in your yard, such as gardening tools, patio furniture, toys, pool equipment, safety gear and lawn decorations, may be covered under your personal property coverage.

Homeowners Insurance in Edinburg, TX

Homeowners insurance can financially cover both your home’s structure and personal belongings. Contact Family Affordable Insurance to review your policy details and consider any necessary add-ons to tailor coverage to your specific needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.