Does homeowners insurance cover theft? In most cases, yes. A standard homeowners insurance policy usually covers personal belongings that are stolen, as well as certain damage to your home caused by a break-in.
Does homeowners insurance cover tree damage? In many cases, yes—especially when a tree falls because of a covered event such as wind, lightning, or hail and damages your home or another covered structure.
Sewer backups can send dirty water into your basement, damage flooring and furniture, and leave you with a large cleanup bill. If you are asking does homeowners insurance cover sewer backup, the answer is usually no under a standard policy unless you have specific sewer backup or water backup coverage.
Foundation damage can be expensive to repair, especially when cracks, shifting soil, or water damage affect your home’s structure. If you are asking does homeowners insurance cover foundation problems, the answer depends mainly on what caused the damage.
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If you are wondering does homeowners insurance cover plumbing, the answer is: sometimes. Homeowners insurance may cover water damage caused by a sudden and accidental plumbing failure, such as a burst pipe, but it usually does not pay to replace old or deteriorating pipes simply because they need maintenance.