Typical homeowner’s insurance policies offer coverage for damage caused by fire, lightning, windstorm, and hail. However, it’s important to know that not every natural disaster is under the policies of your homeowner’s insurance.
Depending on the package that you select, your policy includes coverage for your dwelling, other structures within the property (tool sheds, garages etc.), loss of use in the event your house becomes uninhabitable, medical payment for persons who are injured while on the premises, contents, and personal liability.
It’s important to mention that homeowner’s insurance covers unforeseen damages to items in your house, but it doesn’t usually cover normal wear and tear. For instance, it will cover the appliances that fails due to a power surge, but one that breaks down due to old age likely will not.