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Your home insurance covers your furniture as part of the personal property benefits. Typically, they are approximately 50%-80% of your dwelling amounts. Replacement cost is also often included, which allows you to replace your belongings without depreciation.
Many other items are included on the policy such as dwelling, other structures and loss of use.
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A typical Homeowners' Policy provides coverage for your dwelling and personal property along with liability protection. Furniture would be covered under the personal property portion of the policy and subject to all the terms and conditions of your policy as well as the policy deductible. It is best to talk to your Insurance Professional about all of the elements of your policy.
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Many other items are included on the policy such as dwelling, other structures and loss of use.