Does Homeowners Insurance Cover Furniture? 
Homeowners insurance covers your furniture in the household for the perils of the policy . There is a line item called coverage `` C '' for your personal property and there you would see the amount of coverage . Generally personal property is calculated at a percentage of your dwelling . So if your house burns down and your contents are destroyed your coverage `` C '' would cover your furniture . Talk to your local agent as there are certain items that will have limitations . 