Homeowners insurance protects your home from unexpected losses, but many people are unsure about what’s actually covered. Here’s a simple breakdown.

Homeowners insurance is designed to protect you from financial losses caused by sudden and accidental damage. But not every type of damage qualifies. Understanding what’s included can help you avoid surprises during a claim.

What Homeowners Insurance Usually Covers

• Fire and smoke damage
• Theft or vandalism
• Storm and wind damage
• Burst pipes or accidental water leaks
• Damage caused by falling objects
• Liability if someone gets hurt on your property

What’s Usually Not Covered

• Normal wear and tear
• Poor maintenance
• Flood damage (requires separate flood policy)
• Earthquakes (usually optional add-on)
• Damage from pests (termites, rodents)

Why It Matters

Having the right homeowners insurance helps protect your financial future and ensures your home can be repaired quickly without heavy costs. Always check your policy details or request a free review from your insurance agent.