Is Structural Damage Covered By Homeowners Insurance? 
Yes , homeowners insurance covers the structure , foundation , and roof -LRB- unless excluded in your policy -RRB- for covered perils . Most standard home insurance policies will come with coverage for additional structures as well -LRB- shed , detached garage , guest house , etc. -RRB- . The policy covers the cost to rebuild from ground up , as long as the damage occurred from a covered peril . 