What Does Standard Home Insurance Cover? 
Standard is arbitrary amounst the different companies . Almost all homeowners insurance will provide coverage against fire , smoke , storms , and explosions along with personal property and some loss of use . Typically the insurance company will try to cover the home to the valuation that it would be to reconstruct home today . To know exactly what is covered under your policy it is recommended that you read it completely or contact your local agent and have them explain the coverages and exclusions within your policy . 