What Does a Homeowners Insurance Policy Cover?

Homeowners insurance covers your home and belongings in the event of certain disasters, but it can include protection for other things that might surprise you, too.

Here are some ways homeowners insurance could protect you in the event of a covered loss.

Farmers Homeowners insurance can cover your home and personal property for damages resulting from causes like:

  • Water or steam
  • Steam or hot water heating systems and water heater
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Falling objects
  • Aircraft
  • Vehicles
  • Smoke damage: sudden and accidental
  • Vandalism
  • Theft
  • Weight of ice, snow or sleet
  • Artificially generated electrical current
  • Freezing of plumbing, heating, air-conditioning, fire protection systems or appliances

Will Homeowners Insurance Cover Other Property Damages?

What about other damages? Are other structures around your house covered? It’s important to know how Farmers Homeowners insurance can cover damages caused by:

Smoke damage

You have coverage for damages resulting from many causes of loss including Fire and Smoke.

Wind and hail damage caused by storms

Yes, damage to your home caused by wind and hail is covered. However, you might be able to reduce the policy premium by choosing to put a new roof on your home or increasing your deductible for wind and hail.

Damage caused by water overflows sinks or tubs

Sudden and accidental damage resulting from water overflow from a sink or tub is covered. For example, if your child does not turn the faucet off and the sink overflows, the damage caused by water overflow is covered.

Fences and separate structures

We cover other structures that are on your property including fences and sheds.

Trees, plants and shrubs

If your tree, plant, shrub or lawn is damaged due to a covered loss, we will pay up to $750 per item, up to a maximum of 5% of your dwelling coverage. Note: the coverage only applies in cases of covered losses (such as fire or car crash) and not due to natural occurrences (wind, old age, etc.).

Dog bites

If your dog bites a neighbor, will your insurance cover it? Dog bites are included with your basic liability coverage. However, homes with dogs that have a history of previous bites are considered ‘vicious' and cannot be considered for coverage and will be excluded.

Not sure if certain damages would be covered? Have questions about your coverage needs? Thinking about updating your homeowners insurance? Talk to a Farmers agent today or schedule a free Farmers Friendly Review of your coverage, to make sure you’re covered the way you want.


Will Homeowners Insurance Cover my Personal Belongings?

Homeowners insurance provides coverage (up to your policy limit) for most personal possessions. First of all, it’s important to know exactly what you’re covering by creating a home inventory. It’s also a good idea to know exactly what is covered and how, including:



Your basic policy might not provide enough coverage for valuable artwork and collectibles. An optional Floater coverage is available to cover your art, silverware, furs, cameras, and musical instruments. In the event of a covered loss, this insurance covers the replacement of your personal treasures.



Is data covered too? What about music files? If you lose important data during a covered loss, you would be covered up to $1,000 to replace that data on your equipment. This includes software, text, images, video or audio files.



In case of theft of jewelry or watches, your policy will cover up to $1,000 per item, and up to $5,000 total for all jewelry and watches stolen in any one covered loss. Your jewelry is covered for other types of covered losses other than theft up to your limits listed in your policy. For extra coverage for higher end jewelry, consider purchasing a Jewelry Floater which can cover the full value of your jewelry, including damage.


Property stolen outside your home

Your property is covered against theft regardless of its location on your property, except in some particular instances. To be covered under this policy, any theft must be immediately reported to the local police.


Coverage in foreign countries

Your policy covers your personal property, anywhere in the world, for the limit stated in your policy.


Passports and valuable papers

If any valuable papers are destroyed during a covered loss, you will be reimbursed up to $1,500. This includes securities, deeds, and other legal documents. This also includes personal records such as photos, videos, passports, tickets and stamps. This limit will pay for the cost to replace or restore the documents.

Want to make sure your possessions are covered the way you want? Talk to a Farmers agent today, or get a homeowners insurance quote, to get started.


This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.