Homeowners insurance covers your home and belongings in the event of certain disasters, but it can include protection for other things that might surprise you, too. Here are some ways homeowners insurance could protect you in the event of a covered loss. Farmers Homeowners insurance can cover your home and personal property for damages resulting from causes like: Steam or hot water heating systems and water heater Riot or civil commotion Smoke damage: sudden and accidental Weight of ice, snow or sleet Artificially generated electrical current Freezing of plumbing, heating, air-conditioning, fire protection systems or appliances Will Homeowners Insurance Cover Other Property Damages? What about other damages? Are other structures around your house covered? It’s important to know how Farmers Homeowners insurance can cover damages caused by: You have coverage for damages resulting from many causes of loss including Fire and Smoke.

Wind and hail damage caused by storms Yes, damage to your home caused by wind and hail is covered. However, you might be able to reduce the policy premium by choosing to put a new roof on your home or increasing your deductible for wind and hail. Damage caused by water overflows sinks or tubs Sudden and accidental damage resulting from water overflow from a sink or tub is covered. For example, if your child does not turn the faucet off and the sink overflows, the damage caused by water overflow is covered. Fences and separate structures We cover other structures that are on your property including fences and sheds. Trees, plants and shrubs If your tree, plant, shrub or lawn is damaged due to a covered loss, we will pay up to $750 per item, up to a maximum of 5% of your dwelling coverage. Note: the coverage only applies in cases of covered losses (such as fire or car crash) and not due to natural occurrences (wind, old age, etc.). If your dog bites a neighbor, will your insurance cover it?

Dog bites are included with your basic liability coverage. However, homes with dogs that have a history of previous bites are considered ‘vicious' and cannot be considered for coverage and will be excluded. Not sure if certain damages would be covered? Have questions about your coverage needs? Thinking about updating your homeowners insurance? Talk to a Farmers agent today or schedule a free Farmers Friendly Review of your coverage, to make sure you’re covered the way you want. Will Homeowners Insurance Cover my Personal Belongings? Homeowners insurance provides coverage (up to your policy limit) for most personal possessions. First of all, it’s important to know exactly what you’re covering by creating a home inventory. It’s also a good idea to know exactly what is covered and how, including: Your basic policy might not provide enough coverage for valuable artwork and collectibles. An optional Floater coverage is available to cover your art, silverware, furs, cameras, and musical instruments.

In the event of a covered loss, this insurance covers the replacement of your personal treasures. Is data covered too? What about music files? If you lose important data during a covered loss, you would be covered up to $1,000 to replace that data on your equipment. This includes software, text, images, video or audio files. In case of theft of jewelry or watches, your policy will cover up to $1,000 per item, and up to $5,000 total for all jewelry and watches stolen in any one covered loss. car ac repair for dummiesYour jewelry is covered for other types of covered losses other than theft up to your limits listed in your policy. window air conditioner units installationFor extra coverage for higher end jewelry, consider purchasing a Jewelry Floater which can cover the full value of your jewelry, including damage.removing old ac unit

Property stolen outside your home Your property is covered against theft regardless of its location on your property, except in some particular instances. To be covered under this policy, any theft must be immediately reported to the local police. Coverage in foreign countries Your policy covers your personal property, anywhere in the world, for the limit stated in your policy. Passports and valuable papers If any valuable papers are destroyed during a covered loss, you will be reimbursed up to $1,500. This includes securities, deeds, and other legal documents. This also includes personal records such as photos, videos, passports, tickets and stamps. This limit will pay for the cost to replace or restore the documents. Want to make sure your possessions are covered the way you want? Talk to a Farmers agent today, or get a homeowners insurance quote, to get started.Read the Spanish version: Exclusiones de seguros de casa: Lo que tu póliza no cubrirá No matter what type of home insurance policy you buy, there's a list of common problems (called "perils") that most insurance companies will not cover.

Knowledge is your best defense when you have a possible home insurance claim. Knowing exactly what your homeowners insurance policy covers and excludes also helps you determine whether you want to purchase additional coverage. For example, do you know which of these problems is not covered by a home insurance policy? Answer: You're not covered if an invading army destroys your house (acts of war are excluded), but you are covered if your house is hit by a car or perfumed by a skunk. There are a variety of standard homeowners insurance policies. The most basic policy, HO-1, covers only a few perils and insurance companies have stopped selling it in most states. The HO-2, generally called the "broad form," covers 16 perils. They are the following: An HO-3 policy is often called a "special form" because it covers everything except certain perils outlined in the policy. It is the most popular type of policy. The standard HO-3 policy contains these exclusions: 's Best Home Insurance Companies

It's a good idea to have a conversation with your home insurance agent, so you feel confident with the coverages in your policy. Since policies can differ by state and insurance company, the only way to know what your exclusions are is to read your own policy. If you come across something you don't understand, ask your agent or insurance company about it. Here are some scenarios that address home insurance exclusions. Q: What happens if a wild animal sneaks into my home and wreaks havoc? Technically, the animal vandalized your home. Vandalism is covered under most standard policies. Q: What if I need a building code upgrade? If your home suffers damage and you want to upgrade it when you repair, you'll have to do it at your own expense. A standard home insurance policy pays only for what you originally insured. However, some insurance companies sell a "rebuilding ordinance or law coverage" rider. This extra coverage pays a specific amount toward upgrade costs — but under this type of policy you have to suffer a disaster before it will pay to upgrade.

Q: My basement flooded and most of my possessions have been destroyed. For protection against floods, you'll need flood insurance. Also, water coming into your home from backed-up sewers is typically excluded, but you can purchase optional coverage to protect yourself from this. Q: Can I make an insurance claim for my home's value plummeting after the city built a prison in the area? Selling cost is not insurable. Your home is insured for the amount you'll need to rebuild it and replace the contents. Q: Am I covered for damage to my home that resulted from a power outage? A: Each policy contains coverage for the loss of food in your refrigerator and freezer, usually up to $500. Electronics, such as your computer, are not covered under standard home insurance policies if there's a surge when the power comes back on, unless the surge is due to a covered peril such as lightning. Q: A company dumped pollutants into a stream that runs through my property. If something like this were to happen, the party responsible would be liable for your clean-up bill — probably after a lengthy court battle.

But some insurance policies contain coverage to clean up oil spilled in your house by the oil company that fills your tank. Q: Suppose lightning strikes a power line leading into my home. Are my damaged possessions covered? Any damage caused by lightning — such as fire or damage to electronics from a surge — is covered. Q: One of my appliances caught fire and caused my hot water heater to explode. This is an instance of what insurance companies call a "sudden and accidental loss." Q: I'm running a small business from my home. Is my computer and office equipment covered? A: If you run a business out of your home, you should be insured separately. A simple home office might require only an endorsement to a home insurance policy, but a hair salon, day care or construction business poses greater potential liability and requires a separate business insurance policy. See our business insurance section. Q: A religious phenomenon damaged my home. Every now and then you'll hear about something unusual, such as a house where oil is pouring out of the walls for no apparent reason and the Virgin Mary appears in the oil.

If that happens to you, and you make a claim for the damage done to your walls, you're covered. Q: What if a plane, train or automobile crashes into my living room? Cars and trains fall under coverage for damage from vehicles hitting your house, while airplane damage is paid for by coverage for objects falling out of the sky. Q: Suppose an antigovernment militia invades my neighborhood. Is my destroyed home covered? A: If the United States government determines that it was not an act of war, you should be covered. Acts of terrorism are covered, but not acts of war. Q: A nuclear power plant problem irradiated my home. Are my home and possessions covered? Nuclear accidents are a standard exclusion. You'd have to go to the power company that owns the nuclear plant and get it to pay up. Q: My house slid down a cliff. If you build or buy a house on a cliff, be aware of the risks involved. A standard home insurance policy won't pay if your house slides down because of a landslide or any other reason.