One of the largest investments you can achieve is buying your own home. A very crucial part about being a homeowner is insuring your assets. Protecting your investments with quality homeowners insurance is also part of being a responsible homeowner. It’s important to know the specifics of what it covers if a burglary, natural disasters or other property damage happens. Here at Capital Insurance Service we can provide you with a quick homeowners insurance quote as well as we can review your current policy!

Here are five of the most important things your homeowners insurance policy should cover if an unexpected or unforeseen loss were to happen. Place close attention and ask all the right questions at the time of issuing your policy for your home.


Fire. According to the National Fire Protection Association Nearly 1.5 million fires were reported in the U.S. during 2015, resulting in $14.3 billion in property damage. Cooking just so happens to be the leading cause of home fires, but heating equipment, electrical cords and wiring, and candles can also be the source. Homeowners insurance covers your property if it’s damaged in a fire, but make sure to never leave candles or stoves unattended.


Theft. The FBI reports there were nearly 1 million residential burglaries during 2015, averaging $2,296 in property losses per offense. The majority of home break ins happen when people are at work, school or even out of town. Be aware that all of the windows and doors remain closed and locked when you are away from home. A home security system is a a good product to keep your home safe and most of the time you are able to qualify for a Homeowners insurance discount. Items like jewelry and other valuables may have limited coverage for theft, so consider scheduling these items to ensure they are fully covered.

Objects falling from the sky. Imagine being home alone enjoying a quiet night in and watching your favorite movie when all of a sudden you get up to discover there are pieces of satellite all across your kitchen floor. Most of these horrific sceneries happen only in movies and the likelihood this would happen are very slim but your insurance covers it if it happens!



Vandalism. Vandalism means willful or malicious destruction or defacement of public or private property. Let’s be real most acts of vandalism happen when it’s dark outside. Waking up to your garage door being covered in spray paint or your front window  vandalized by the rascal neighborhood are examples of vandalism. These types of situations are covered under the vandalism peril in your Homeowners insurance policy. If one of these acts was to occur  it is best that you file a police report to aid with the claims process.


Sudden and accidental flooding. Having this coverage is meant for the overflow of water from systems or appliances within your home, including plumbing, heating or air conditioning units, an automatic fire sprinkler system or certain household appliances. A good example of this is when your washing machine springs a leak and floods your basement and the water damage to your furniture, carpet or flooring would be covered.