What is homeowners insurance—and what does it cover? Levels of homeowners insurance coverage What perils are covered by homeowners insurance? Hail and windstorms Lightning Fire and smoke Volcanic eruption Explosion Riot or civil commotion Damage caused by vehicles Damage caused by aircrafts Vandalism Theft or malicious mischief Weight of snow, ice, or sleet (not usually covered by HO-1) Frozen pipes (not usually covered by HO-1) Falling objects (not usually covered by HO-1) Water overflow or discharge from plumbing (not usually covered by HO-1) Water heater cracking (not usually covered by HO-1) Damage from electrical current (not usually covered by HO-1) Key Takeaway Your policy level determines how much homeowners insurance coverage you have against what types of damage. Does home insurance cover natural disasters in Kansas? Thunderstorms Tornadoes Flooding Landslides Key Takeaway Your homeowners policy will insure your home against tornadoes and thunderstorms, but you’ll need additional coverage for flooding and a DIC to protect against landslides. How to file a home insurance claim Plan ahead. Keep insurance policy proof, receipts for big purchases, and other important documents in a safe, so you don’t have to hunt for them. Document your losses . After the disaster, make a list of everything that was damaged. Take photos! Determine how much you paid for each item you’re claiming, and write it down. Inform your insurance company that you’re submitting a claim. Fill out the claim paperwork that your insurer provides. Pay attention to detail. Get repair estimates from local contractors to help negotiate a fair settlement with your insurance company. Meet with the adjuster to go over the claim. Your insurance company will assign a claims adjuster to review your evidence with you. Be thorough, so you get the payout you’re supposed to get. Collect your funds to start rebuilding!