Homeowner's insurance protects against damage to your home and belongings (furniture, appliances, clothing, jewelry) from hazards such as:

• Fire and smoke

• Windstorm or hail

• Theft

• Falling objects (trees, power lines)

• Frozen plumbing

• Water damage caused by plumbing, water heater, appliances, and heating and cooling systems

• Vandalism

Your homeowner's policy may also protect you against claims you are liable for someone else's injuries or property damage—such as if your dog bites a guest at your home—and may cover you for claims that occur away from your home, such as if your dog bites someone at the dog park.

Some homeowner's policies may provide other structures coverage to repair or replace structures on your property that are not attached to your house—such as a garage, shed, or fence.

Your homeowner's policy may provide loss of use coverage and pay your additional living expenses (rent, food) if you have to move out of your house while it is being repaired, for example.

You may need a special provision in your homeowner's policy (an endorsement) to insure against the loss of expensive jewelry such as engagement and wedding rings, watches, diamond bracelets, etc.

In South Carolina, homeowner's insurance typically covers damage to the home and personal belongings due to a variety of hazards, including fire, smoke, windstorms, hail, theft, falling objects, frozen plumbing, and water damage from household systems. Liability coverage is also a standard part of most policies, protecting homeowners against claims for injuries or property damage that occur on their property or, in some cases, elsewhere. This can include incidents like dog bites. Additionally, coverage often extends to other structures on the property that are not attached to the home, such as garages and sheds. Loss of use coverage is also common, which helps with additional living expenses if the home is uninhabitable during repairs. For high-value items like expensive jewelry, homeowners may need to purchase an endorsement to their policy to ensure adequate coverage. It's important for homeowners to review their policies and consult with an attorney or insurance agent to understand the specific coverage and any additional endorsements that may be necessary to fully protect their assets.