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 Washington State, homeowner's insurance typically offers coverage for a variety of risks to your home and personal property. This includes damage from fire, smoke, windstorms, hail, theft, falling objects like trees or power lines, frozen plumbing, and water damage from internal sources. Liability coverage is also a standard part of most policies, protecting homeowners against claims for injuries or property damage that they are responsible for, both on and off their property. Additionally, coverage often extends to other structures on the property that are not attached to the house, such as garages, sheds, or fences. Loss of use coverage is another feature that can help with living expenses if the home is uninhabitable due to covered damages. For high-value items like expensive jewelry, specific endorsements may be required to ensure adequate coverage. It's important for homeowners to review their policies and speak with their insurance attorney to understand the specifics of their coverage and any additional endorsements they may need.