Property Damage Insurance - What Does It Cover?

What does property damage cover?

The property damage portion of a homeowner's policy covers loss or damage to the home and other structures on the property. In the event of a total loss, the amount paid depends upon the dwelling policy limit of the insurance contract as well as the type of coverage provided under the contract.

On some policies, other structures (such as detached garages, tool sheds, fences, guesthouses, and gazebos) are typically covered at the rate of 10% of the limit set for the dwelling itself. For example, an insurance contract that provides $100,000 coverage for a dwelling typically will provide up to $10,000 coverage for other structures. Trees, shrubbery and other landscape are typically covered for 5% of the dwelling limit.

Use the menu below to view more about Types Of Coverages Available

	Types Of Coverages Available
	What Does Property Damage Cover?
	Additional Property Coverage
	What Does Personal Property (Contents) Damage Cover?
	Does The Personal Property Coverage Include My Dog Rover Or My Parakeet Tweety?
	My Coin Collection, Jewelry, Furs, Guns, Monet Painting And Other Expensive Stuff… Aren’t They Covered Under My Regular Home Policy?
	Some Of My Personal Items Were Stolen From My Hotel Room. Would They Be Covered Under My Policy?
	Why Would I Want Personal Liability Coverage? What Does It Cover?
	Are Intentional Injuries Covered By My Personal Liability Coverage?
	I Can’t Live In My Home Because Of A Fire. Will My Policy Cover The Cost Of Room And Board At A Hotel Or Motel?
	What Do Medical Payments Cover?
	What Options Or "Riders" Are Available?
	What Is A Personal "Umbrella" Insurance Policy?
	My Credit Cards Were Stolen While I Was On Vacation. Does My Policy Cover Any Unauthorized Purchases?
	Does My Coverage Protect Me From Claims When I Am On Vacation?
	The Food In My Freezer And Refrigerator Spoiled Because The Electric Power Into My Home Was Cut. Does A Home Policy Cover This Mishap?
	A Tree Fell On My Roof During A Major Storm. Am I Covered? Is The Tree’s Removal Covered?
	During A Recent Storm, My Neighbor’s Tree Fell And Destroyed My Fence. Whose Home Policy Pays For The Damage?
	We Own A Camp Used Primarily During The Summer. Can It Be Covered Under Our Home Policy?
	My Laptop And Luggage Came Up Missing On A Recent Airline Flight. The Airline Will Reimburse The Lost Luggage But Not The Laptop. Will My Home Policy Cover?
	Are The Personal Belongings That We Take When Traveling Covered?
	Our Pipes Froze And Burst While We Were Vacationing. Am I Covered?
	Several Items That I Used For My Business Were Stolen From My Home. Why Did My Insurance Company Only Pay Part Of My Claim For My Loss?