If you are asking What Does Household Insurance Cover, the question may not be so easy.  Household Insurance is based on what you list on your policy.  For instance, if you list jewelry up to $10,000, you are covered up to the full amount.  It may not be so easy to collect the money.  Why?  Let’s say, for example, someone broke into your home last night and stole $10,000 worth of jewelry.  You’re thinking, okay, I’m insured, not a problem.  I’ll just notify the insurance adjustor.  But, did you take pictures of the jewelry?  Do you have the receipts?  Or, do you have anything from an appraiser showing the value of the items that were stolen?  How about serial numbers?

You know that the insurance policy you purchased covers up to $10,000 for jewelry but, you need to prove to the insurance adjustors that you owned $10,000 worth of jewelry.  My suggestion is, keep a copy of all the receipts such as jewelry you purchased.  If you don’t have receipts, bring your jewelry to an appraiser to get the items valued to find out the exact replacement cost.  Then, if the items were stolen, you have something to show for the items.  Household Insurance Covers Jewelry, Electronics, Furniture, Artwork, Appliances, Valuables, Clothes, Flooring, and even Bedding.  It covers everything located inside your home.  It’s difficult to keep receipts on everything you purchased.  I would contact your insurance company and find out what is the best way to record your items for evidentiary value.  Ask them if taking pictures are satisfactory.  Make sure you record the person’s name and ask the person to show you where it states that in the policy.  You never can be too sure when it comes to listing your possessions.  Make sure your Household Insurance covers all events such as flood, wind, hurricanes, earthquakes, or stolen.  Household Insurance does not cover automobiles stored in the garage.  There is a separate automobile policy for that and relates directly with the automobile.  If you don’t drive the car and are just storing it in the garage, you may want to contact your auto insurance company.  Household Insurance may or may not cover the sheet rock in the home.  It all depends to your policy.  There is an additional liability coverage to household insurance, called Property Liability Coverage.  This is when someone, like a guest, gets hurt on your property in the result of an accident.  The insurance would cover medical claims from the result of the person being injured on your property.  For instance, your neighbor walks over to your home and falls down the stairs.  You may be protected in this case with Property Liability coverage, which is a part of the coverage of Household Insurance.  What does Household Insurance cover?  Well, it all depends what you include on your specific policy.  Ask the right questions and you won’t need to worry or guess what’s covered, and what’s not covered on your policy.