A standard homeowners policy (an HO-3) bundles six coverages. Knowing what each does — and the exclusions that surprise people — is the difference between a smooth claim and a denied one.
Dwelling, other structures, personal property (A, B, C)
Dwelling rebuilds your house after a covered loss; Other Structures covers detached garages, fences, and sheds; Personal Property replaces your belongings (often 50% of dwelling), and follows you off-premises too.
Loss of use, liability, medical payments (D, E, F)
Loss of Use pays hotel and extra living costs if your home is unlivable; Personal Liability covers injuries and damage you cause (plus legal defense); Medical Payments covers minor guest injuries regardless of fault.
Covered perils
A standard HO-3 covers fire, lightning, windstorm, hail, theft, vandalism, falling objects, and sudden water damage from plumbing — among others. Your house is covered against most perils except those specifically excluded; your belongings are covered against a named list.
What homeowners insurance does NOT cover
The big exclusions: flood and earthquake (separate policies), normal wear and maintenance (a roof that simply aged out, not a storm), mold beyond small limits, pests/termites, sewer/drain backup (needs an endorsement), and high-value items above category sublimits unless scheduled.
The pattern: homeowners insurance covers sudden, accidental damage — not gradual wear, not flood, not earthquake. Use the coverage calculator to see exactly what your limits protect and what to add.
Frequently asked questions
What does homeowners insurance cover?
Your dwelling, other structures, personal property, loss of use, personal liability, and medical payments — against perils like fire, wind, hail, theft, and sudden water damage.
What does homeowners insurance not cover?
Flood, earthquake, normal wear and maintenance, mold beyond small limits, pests, and sewer backup (unless you add an endorsement).
Does homeowners insurance cover the contents of my home?
Yes — personal property coverage (often 50% of dwelling) replaces your belongings, and it follows you off-premises. Choose replacement cost and schedule high-value items.
Is flood covered by homeowners insurance?
No. Flood requires a separate policy (NFIP or private). Earthquake is also separate. Sudden internal water (a burst pipe) is covered, but rising water is not.
Related: Home Coverage Calculator →