Standard policies usually cover the home's structure (dwelling), other structures like garages or sheds, and personal property (furniture, clothes, etc.) against risks like fire, hail, windstorms, and theft.
Standard policies do not cover floods or earthquakes. You must purchase separate policies or endorsements for these risks.
Generally, no. Damage from sewer backups or sump pump failures typically requires a specific water backup endorsement.
Standard policies have limits on jewelry, art, and antiques. For full protection, you may need a "scheduled" personal property endorsement.
