Your home is likely your biggest investment — but many homeowners aren’t fully clear on what their policy actually covers.
Here are the most common questions we hear, explained simply.
A standard homeowners policy typically includes:
It’s designed to protect both your property and your liability as a homeowner.
There are important exclusions, including:
These risks often require separate coverage or planning.
It depends on the source.
Most policies cover sudden and accidental water damage, like a burst pipe.
But they typically do NOT cover:
Water claims are one of the biggest areas of confusion.
Coverage should be based on the cost to rebuild your home, not its market value.
This includes:
Market price and rebuild cost are often very different.
Replacement cost provides stronger protection, especially for your home and belongings.
Not always.
Items like:
…often have coverage limits.
You may need additional endorsements to fully protect high-value items.
You’re not alone — and that’s exactly why we’re here.
At Camargo, we help you understand your coverage in plain English so you can feel confident in your protection.
Let’s take a look together.