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Save on Home Insurance

Am I covered?

The fastest way to learn what’s covered is by reading the declarations page of your policy. What’s below is a rough guide to typical policies.

What's covered under a typical homeowners policy:

  • Your home and any detached structures on the property.

  • Most furniture, appliances, electronics and tools.

  • Liability and medical expenses for injuries and property damage for which you are responsible, up to your policy limits.

  • Limited living expenses if you are forced to vacate your home because of a loss.

What may not be covered:

  • The replacement cost of your home and personal property, vs. its actual cash value.

  • Jewelry, collectibles, firearms and other expensive items in excess of certain limits, typically $1,000 to $2,500.

  • Business equipment, including computers used for work, in excess of certain limits, typically $2,500.

  • Sewer or drain backups.

  • Liability coverage for pools, trampolines and other high-risk items.

  • Mold.

What's not covered:

  • Cracks or settling in the foundation.

  • Neglect, wear and tear or intentional damage.

  • Flood or earthquake damage. Coverage for either is available separately.

  • Landslide or other earth movement.

  • War or nuclear explosion.

  • Pest damage.

  • Pet damage

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10 discounts to ask for:

  • Multi-policy (home, car or more with the same company).

  • Smoke detectors.

  • Fire extinguishers and sprinkler systems.

  • Burglar and fire alarms that ring at an outside service.

  • Deadbolt locks and fire-safe window grates.

  • 55 years old and retired.

  • Longtime policyholder.

  • Upgrades to plumbing, heating and electrical systems.

  • Earthquake retrofitting.

  • Wind-resistant shutters.

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