What Does Home Insurance Typically Cover?

CA standard home insurance policy covers both the structure of your house and its contents. Here's a breakdown.

Coverage Includes:

• Fire & Explosion
• Natural Calamities like floods, earthquakes, storms
• Burglary & Theft
• Damage to Electrical Appliances
• Structural Damage
• Furniture, Electronics & Valuables (if opted)

What’s Usually Not Covered?

• Gradual wear and tear
• War or nuclear events
• Damage due to negligence

Note: Always read the fine print and consider opting for add-ons like jewelry or artwork protection.