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Your Homeowners insurance policy will pay for damages that result from the covered perils specified on your insurance policy subject to the policy limits and any deductibles listed therein.

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Q: What does homeowners insurance pay for in case of damage to your house?
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What is homeowners insurance?

Homeowners need insurance protection in the event of damage to their property. That's basically what homeowners insurance offers: financial protection in case disaster strikes. In the US, basic coverage (also called "Form 1", or "H1") will insure your house against damage from fire and lightening. If you want more protection you'll need to purchase broader coverage.Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Would homeowners insurance cover if an animal chewed your house?

In some cases yes, Animal damage beyond normal wear and tear can be covered. In the case of damage incidental to choice of animal pets though there is generally no coverage.

Does homeowners insurance cover attic restoration?

Certainly not. Homeowner's insurance does not pay for renovation to any part of your home unless it was damaged and the damage was due to a covered cause. And, in the case of damage, the insurance will strive to replace, not improve the situation.

Is it nessacary to get an art quote when buying homeowners insurance?

No, you can take pictures of all aspects of your house, including artwork and typically your insurance will use the pictures in case insurance is needed.

How do you know if the dirt the house is built on is not part of the homeowners insurance coverage?

Earth movement is generally not covered under a homeowners insurance policy so that should answer your question. The only case it might be covered is if you purchase an endorsement to add coverage for earthquake. Remember that maintenance and faulty building is not covered under homeowners insurance.

What does homeowners insurance pay for a case of damage to your house and it's contents?

It depends on your coverage. Usually it's the amount of damage/loss minus your deductible. Some types of damage may not be covered; for example, it's fairly common for flood or earthquake damage not to be covered unless you buy additional coverage specifically for those hazards.

Will homeowners insurance pay if you fell in your house and broke out two teeth?

Any kind of injuries you suffer within your own house would not be covered by your Home insurance; that would fall under your medical (or in this case, dental) coverage.

If you live in a townhouse who is responsible for insuring against flood damage?

For townhouses, you should make sure your homeowners association carries appropriate federal flood insurance which protects you and you neighbors from rising water from a stream, river, ocean or canal. If a flood in your house is caused by sewer backup or a broken pipes, you need to make sure your personal homeowners insurance covers those problems. Also, ask your homeowners insurance company how to insure common walls of a townhouse in case your neighbor has a broken pipe or some other internal problem.

What purpose does unoccupied home insurance serve?

Unoccupied home insurance helps protect your house when it is empty. It covers what regular home insurance does not, in the case that your house is left unoccupied for a month or more. It covers damage in the case of fire, earthquake, explosion and lightning.

What does homeowner's insurance pay for in case of damage to your house and its contents?

Rebuilding the house and buying all new items to replace those damaged

Are facia boards covered by house insurance?

If they are damaged by a covered cause then yes. I believe you are referring to damage caused by lack of maintenance and in that case they are not covered. It is specifically your responsibility to maintain the home and homeowners insurance is not designed to do this. If you have a fire or a tornado rips off your roof then the facia boards are covered along with other items damaged.

Does a homeowner have to have insurance?

Depending on the home loan, you may be required to have insurance. If you buy your house out right, there is nothing requiring you to have insurance. Unlike driving a car, you can legally own a home without homeowners insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have home insurance coverage to protect your home and the lenders investment in case of damage caused by unforeseen circumstances, such as fires or natural disasters.