What Can I Claim On My Homeowners Insurance? 
You can make a claim for anything you 'd like . . whether its going to be covered is another story . Try and limit your claims to large catastrophic losses like a hurricane or a fire . Your policy will cover certain perils . I suggest your read through your policy and contact your agent with questions . Some policies are `` all risk '' and cover everything that is not excluded . Typical exclusions for a homeowners insurance policy are wear & tear , maintenance , intentional acts , flood & earthquake . 