Credit Cards - Your basic homeowners policy will not cover credit card loss or fraud. However, these things may be covered in another part of your policy. Aircraft - You should have purchased an applicable aircraft insurance policy. The personal property of roomers, boarders or other tenants, not related to the insured, is not covered. Any tenants should purchase an appropriate renters policy.
Exclusions also apply to homeowners liability insurance.
Your policy will compensate you for the loss of use of your property if it should be damaged by a peril covered in the policy. If you, like many of today's homeowners, carry an HO3 policy you are entitled to some additional coverage. Your policy will generally have a limit set for this coverage. Most HO3 policies cover the damage or loss of these items unless the damage is caused by windstorm. If your building collapses for one of the following reasons, your HO3 policy will cover you.