Homeowners 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 homeowners policy may also protect you against claims you are liable for someone else 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 homeowners 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 homeowners 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 homeowners policy (an endorsement) to insure against the loss of expensive jewelry such as engagement and wedding rings, watches, diamond bracelets, etc.

In New Hampshire (NH), homeowners insurance is designed to provide financial protection for your home and personal belongings against a variety of risks. Standard policies typically cover 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 homeowners insurance in NH, protecting homeowners against legal responsibility for injuries or property damage that occur on their property, including incidents involving pets like dog bites. Additionally, homeowners insurance policies in NH often include coverage for other structures on the property that are not attached to the main house, such as garages, sheds, or fences. Loss of use coverage is another feature that helps pay for additional living expenses if the home becomes uninhabitable due to covered damages. For high-value items such as expensive jewelry, an endorsement to the policy may be necessary to ensure adequate coverage. It's important for homeowners to review their policy details and consult with an attorney or insurance agent to understand the specific coverages, limitations, and any additional endorsements that may be appropriate for their needs.