Which type of items does a Homeowner's Policy typically cover?

A Homeowner's Policy typically provides coverage for items that are permanently attached to the dwelling, which includes fixtures like built-in cabinets, plumbing, and electrical systems. This is a key component of the policy, as it is designed to protect the physical structures and integral parts of a home.

When considering items not permanently attached to the dwelling, these are also covered under a Homeowner's Policy, but typically as personal property. This includes furniture, electronics, clothing, and other personal belongings, which are not fixed to the house but are within the premises. This form of coverage allows homeowners to protect their personal assets from events such as theft, fire, or other perils outlined in the policy.

In contrast, vehicles parked on the property are usually covered under an auto insurance policy rather than a homeowner's policy, and business equipment used at home would generally require separate coverage under a business policy or a specific endorsement on a homeowner’s policy. Understanding these distinctions helps clarify the full scope of protection provided by a Homeowner's Policy for both fixed and movable items.