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 Florida, 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. It also often includes liability coverage for injuries or property damage that the homeowner may be responsible for, both on and off the property. This can include incidents such as dog bites. Coverage for other structures on the property, like garages or sheds, is also commonly part of a standard policy. Additionally, loss of use coverage is available to assist with living expenses if the home is uninhabitable during repairs. For high-value items like expensive jewelry, a specific endorsement to the policy may be necessary to ensure adequate coverage. It's important to review policy details and exclusions, as Florida's unique risks, such as hurricanes, may affect coverage and insurance requirements.