In the event that your home or its contents are damaged by a fire, smoke, water, theft, vandalism, storm, or any occurrence specified in the policy, your home insurance policy will pay to restore or replace your home and its contents. "Perils" are what they are.
Standard insurance often covers the repair or replacement of heating and cooling systems and their components, such as a furnace or water heater, if they are damaged by a covered event in addition to the structure and outbuildings.
Damaged, stolen, or lost personal property that is kept within the home is also covered by homeowners insurance. Last but not least, homeowners insurance covers medical and legal costs in the event that someone other than you or your family is hurt on your property.
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