 TITLE: What Is Not Covered by Homeowners Insurance? CONTENT: What Is Covered Under a Homeowners Insurance Policy\n---------------------------------------------------\nYou can expect a standard homeowners insurance policy to cover the following:\n*   **Liability protection and no-fault medical costs**: If a guest or visitor is injured on your property, homeowners insurance can cover legal fees and settlement costs arising from a lawsuit, as well as medical care for the injured party. It could also cover any damage that your family members cause to another person or their property, such as your daughter throwing a football through a neighbor's window.\n*   **The structure of your home**: Structure or dwelling coverage pays to repair or replace your home if it's damaged or destroyed by fire or smoke, wind (including hurricanes and tornadoes), hail or lightning, vandalism or theft. Homeowners insurance generally also covers water damage, but there are usually very specific definitions of what type of water damage is or isn't covered. For example, flooding from a burst pipe is typically covered, but flooding from a sewer backup is not. Most homeowners insurance also covers detached structures on your property, such as garages, gazebos, tool sheds, walls and fences.\n*   **Personal property stolen or damaged by a covered incident**: Homeowners insurance covers loss of or damage to the property in your home, such as furniture, clothing, housewares and electronics. It may also cover personal possessions you keep in your car, storage space or other location outside the home. There are, however, usually limitations on coverage for items such as jewelry, furs, fine art and computers. If you need additional coverage, you'll have to buy a \"floater\" policy for those items.\n*   **Loss of use and additional living expenses**: Homeowners insurance could pay for you to live elsewhere while your home is being repaired after a covered incident. That includes the cost of a hotel, apartment or rental home, meals and any other expenses resulting from being displaced. There are generally limits on either the dollar amount or time frame of this coverage.\nDo you live near a volcano or an airport? Probably not, but if so, you can rest easy knowing that homeowners insurance usually covers damage from volcanic eruptions and airplanes. It also generally covers your property during incidents of riot or civil unrest, according to the Insurance Information Institute. END