Household Items Covered By Homeowners Insurance

Household insurance essentially covers the building you call home as well as the household items you choose to fill it with. If your house is damaged (usually in the cases of fire or some natural disaster), home insurance steps in to cover the costs of repairing or rebuilding your house. In the case of personal property and household goods that are stolen or damaged, you can be reimbursed for the value of those belongings or receive a pay-out to replace them.

The cost of homeowners insurance can vary based on a number of factors, including the type of coverage selected, features in the home, and, of course, the value of one’s personal belongings. So, what household items are covered under a household insurance policy?

Household and Motor Insurance protects your house and household contents from loss or damage caused by fire and natural disasters.


Whether it’s your laptop or your entertainment system, electronics can be the most expensive losses in the event of a theft or fire. As with most household and motor insurance policies, some home electronics may already be included in your policy. However, you might want to update your policy if you buy new items that are worth more than what you’re covered for. If some electronics are being used for business purposes, like a desktop or home office, check whether your employer supplies coverage in some form. If that coverage is not enough or if you are self-employed, you may want to add to your household insurance policy to cover your business-related electronics.

Specialty Tools And Equipment

Like your electronics, you should speak with your insurance provider about cover for your power tools and specialised equipment. This kind of cover can vary depending on whether these are intended for work or home use, and can include items like power saws, lawnmowers, etc. Your household insurance can cover personal tools, but as with your electronics, tools and equipment intended for commercial use will require extra cover.


Looking to protect precious family heirlooms like your grandmother’s wedding ring? Some insurance providers include this under the household items they insure as part of your policy, but there is typically a limit to how much is covered under your policy. It’s best to take jewellery to be appraised first, before you decide it’s worth insuring. A professional appraisal will also help you negotiate the amount of cover with your insurer.


Some things are one of a kind and can have more than a sentimental value. Artwork may already be partially covered under a policy. However, it’s up to you to decide if that coverage is enough or if more should be added, especially if you have the artwork appraised and discover it to be worth more than it is currently insured for.

Cover Limits

It’s important to remember that the cover provided by household insurance has its limits. In this case, this very literal limit refers to the maximum amount your policy would be willing to pay towards a covered loss. You may want to sit down with your insurer and see if you can have your coverage limits adjusted to meet your needs.

Household and Motor Insurance goes the extra mile by extending cover to your car and garage structure. Like the home insurance side of your policy, these insurance policies can protect your car from theft or damage on your personal property. Protect your lifestyle with insurance that can cover your property against untimely loss or damage.