Homeowner’s insurance is likely to cover content cleaning and restoration for certain personal belongings, while others may not be covered. Damage to electronics, clothing, knickknacks, and other personal belongings is likely to be covered, but typical homeowner’s insurance policies do not cover valuables like jewelry, artwork, and collectibles.
The coverage also depends on the source of the damage. Damage from fire, smoke, and mold are typically covered while damage from flooding is not. Homeowners may have to purchase additional policies to cover damage to valuable personal items and damage from floods and other disasters. It is best to review your policy to understand how it may cover content cleaning and restoration.