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Assuming you own your home, a standard policy will include coverage on the dwelling, unattached structures, personal property, medical payments to others, liability and additional living expenses in case of a covered loss.
Of course, there are many other specific losses that are also included that a broker can quickly review with you.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
To determine what you can claim on your homeowner’s policy look at the coverage section of the policy. Today insurance policies are worded to be as clear as possible. The key concern should be, “is the damage I want to claim caused by a peril covered by the policy?” That is fairly easy to determine by looking at the policy. Often a homeowner considers their insurance policy as a home warranty and wants routine expenses to be covered and that is not the intention of the policy. Consult with your agent before filing a claim unless you are being sued.
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Of course, there are many other specific losses that are also included that a broker can quickly review with you.