What Can Be Claimed On Homeowners Insurance? 
You can claim damage to your residence if the damage is the result of one of the named perils . This list is comprehensive but does have exclusions . Earth movement and flooding are the two most significant exclusions . You can claim the loss of personal property if the loss was the result of one of the named perils . This can result in replacement with new items or depreciated items , based upon the coverage of your policy . You can claim protection against lawsuits for personal injury and property damage . There are ancillary coverages and limits that are in your policy but this list covers most claims . 