Are you concerned about the damage that can happen to your house? Do you wonder if you have enough insurance to cover the damage in case of a fire, storm, or another natural disaster?

Don’t worry! We’re happy to cover the details of property insurance that you need to have peace of mind.

What damage does property insurance cover? Keep reading to find out more!

Coverage for Water Damage

Water damage is covered by property insurance if the event that caused the damage is listed in the policy. For example, if your home is flooded due to a severe storm, your property insurance will likely cover the cost of repairs.

However, if the flooding is due to a faulty appliance or plumbing, it may not be covered. It’s important to review your policy carefully to see what events are covered.

Coverage for Fire Damage

Most homeowners insurance policies cover fire damage. This can include damage to the structure of your home, as well as your personal belongings.

The amount of coverage you have will depend on the specific policy. Some policies may also cover additional living expenses if your home is uninhabitable due to fire damage.

Coverage for Wind Damage 

Wind damage is typically covered by property insurance policies. However, there may be limits on the amount of coverage or exclusions for certain types of damage.

It’s important to read your policy carefully and talk to your insurance agent to make sure you understand what is and is not covered. In general, property insurance will cover damage to your home or business caused by high winds, including damage from flying debris. 

Property Insurance Coverage for Theft and Vandalism

Most property insurance policies cover theft and vandalism. Typically, there is a limit on the amount the insurer will pay for theft or vandalism.

The limit is usually a percentage of the overall liability coverage limit for the policy. For example, if the policy limit is $100,000 and the theft and vandalism limit is 10%, the insurer will pay up to $10,000 for theft or vandalism.

Exceptions to Property Damage Coverage

As mentioned in our points above, the common types of damage that are typically covered by property insurance policies include fire, wind, hail, and water damage. However, there are some exceptions to this coverage. You can find out more about this from providers like

However, let’s cover a bit of what this also means. For example, damage caused by flooding is usually not covered by standard property insurance policies. If you live in an area that is prone to flooding, you may need to purchase a separate flood insurance policy to be fully protected.

It is also important to note that most insurance policies have limits on the amount of coverage they provide. So, even if your policy does cover damage from a specific event, there may still be a limit to the amount of money that the insurance company will payout.

It is important to understand your policy limits to know what to expect if your property is ever damaged.

Know What’s Covered in Your Property Insurance

Property insurance is vital for protecting your home and belongings in the event of damage. Most policies cover a wide range of damage, including fire, wind, water, and theft. Make sure you understand what your policy covers and doesn’t cover so that you can be prepared in the event of damage to your home.

Come visit our blog for more tips for your home and family!