Homeowners’ policies are one of the most important coverages in insurance. This coverage pays for damages caused by fires, storms, wind, water damage, and any other disasters, natural or manmade. A homeowners’ policy also covers accidents and theft. But what exactly does homeowners’ insurance cover? There’s a lot of confusion about what’s covered or not covered by this policy.

Read the policy from cover to cover to ensure that you get the coverage that you’re looking for. If you are looking for homeowners’ insurance in Houston, TX, Heydari Financial Group has you covered. Our agents will explain, step by step, every detail of the policy to ensure that you get coverage that works best for you. That said, let’s look at the aspects of your home that are covered in a standard homeowners’ policy.

Personal Belongings

If the wind blows a section of your roof away, your homeowners’ policy will definitely cover the cost of repairing the part of the roof that has been damaged, but what if the some of your personal belongings — say furniture, electronics, jewelry, or clothes — are destroyed due to exposure to external elements? The answer is yes. While policies vary from one provider to the next, most of them cover personal items such as clothes, furniture, appliances, sports equipment, etc. if they are destroyed by an insured disaster.

Usually, there are conditions when it comes to the coverage of personal belongings. In most cases, coverage is extended to 50-70 percent of the coverage you have on the dwelling. Valuable items such as jewelry, art, collectibles, and fur are covered up to a certain limit. You can get additional coverage for your jewelry or expensive art. Conduct a home inventory to determine if you have adequate coverage for all personal items in your home. Get in touch with Heydari Financial Group in Houston, TX for more information about homeowners’ insurance.