Personal Property Losses In most cases, unless specifically excluded, water damage to personal property.

Such as furniture, is covered by a homeowner’s insurance policy, but only under certain circumstances.

Your home insurance probably will cover the cost of replacing your sofa if a hailstorm damages your roof and rain falls on it.

However, the insurance company may deny the claim if a gradual leak causes damage to the sofa.

In the event that an unattached design, similar to a different carport or shed, endures rooftop harm, your strategy’s different designs inclusion might take care of fix costs.

In most cases, standard home insurance policies cover other structures up to a certain percentage, like 10% of dwelling coverage.

However, if those structures are used for business, they may not be covered. For example, if your policy covers $200,000 worth of dwelling, it may cover $20,000 worth of other structures.