Does a homeowners policy cover anything besides the house?

Is it possible to file a claim against your homeowners insurance for anything other than your home? I overheard my neighbor talking about filing a claim against her sister's homeowners policy.

Answer provided by
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Shannon Martin
Answered on Jul 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Most standard homeowners policies cover personal liability in addition to any damage to :
  • the house
  • other structures
  • personal property
If your neighbor is filing a claim against another person’s homeowners policy, it is likely a claim under the personal liability coverage afforded on that policy.
In order for this type of claim to be valid, the policyholder must be considered legally liable for the damages. In order to be considered legally liable, they must have breached a duty of care owed to another party and this breach of duty must have caused damages.
It’s not too dissimilar to how car insurance operates. Liability coverage protects others involved in a car accident you cause, so your insurance would pay for their damages and injuries up to your policy limit.
If you already have car insurance and are looking to bundle your home insurance, consider using a smart comparison tool like Jerry. Jerry pulls quotes from the top 45 insurance companies to help you find the best rate in seconds.”
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