Homeowners Insurance: What is Typically Covered and Not Covered?

Posted May 11, 2026

Homeowners insurance is necessary for protecting your investment in your home, condo, or townhome along with your belongings in the case of an emergency situation that caused damage or loss. The insurance plan you choose will depend on the specific coverage you need for your home and belongings as well as what you can afford.

Here is some information on what is typically covered and not covered with homeowners insurance.

Covered:

• Dwelling coverage: Most homeowners insurance policies offer coverage for the structure of your home, or dwelling coverage. If there is an incident where your home becomes damaged unexpectedly, your insurance might help cover the cost of new flooring or other parts of the structure of your home that might have suffered damage.

• Personal property coverage: Another aspect that your homeowners insurance might cover is your personal property. This includes protection for your furniture, electronics, clothes, and other belongings.

Not covered:

• Flood and earthquakes: Many homeowners insurance policies may not offer coverage for flood or earthquake damage.

• Expensive belongings: Homeowners insurance also doesn’t typically cover more expensive belongings such as jewelry, art, and other collectibles. You will need to pay attention to the insurance plan you choose or find additional coverage for these items.

If you need new homeowners insurance for any reason, you can turn to us at Legacy Insurance Partners. We have insurance experts who can help you find the best insurance plan and coverage for your needs. We can also provide information and recommendations to help you make an informed decision. You can give us a call if you would like to learn more. You can also get started with a quote by clicking here.