Personal Property Coverage

A generator is covered by homeowners insurance if it gets damaged by one of the covered perils. Home insurance doesn't cover generator repair if it gets broken down mechanically due to wear and tear or due to lack of maintenance.

Stolen packages are covered by homeowners insurance, however, unless the package's value exceeds the deductible amount, you won't be able to file a claim. It only makes sense to file a claim if your package is very expensive and it's value far exceeds the deductible amount.

Electronics are covered by homeowners insurance in case it is damaged by a covered peril. Read more to learn exactly how home insurance covers your computers, laptops, TVs, cameras, surround sound systems, and other electronics.