What Does Home Owners Insurance Usually Cover? 
That 's kind of a tough question to answer becuase many homeowners policies cover a multitude of things . In general terms if you house catches on fire , is broken into , is damaged by wind hail or lightning , your pipes burst , some body trips and falls on your proprty and gets hurt you could have a claims situation on your homeowners policy . This is just scratching the surface as every policy is different in every state . Most carriers add in a bunch of `` extra '' coverages too . To truly know what your homeowners policy covers , you need to do two things 1 -RRB- Call you local independent agent and discuss you policy with them 2 -RRB- Actually read your policy . I know reading a legal contract is your idea of fun night curled up by the fire , but it is in your best interest to actually read your entire policy , know what it includes and excludes and ask your agent about things you have questions on ... . 