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每个家庭所保险项目是不同的，但也有通用标准：
保险覆盖范围广及房屋损害和任何任何永久性结构损害，（除非造成损坏的原因特别指出不在保单范围内。）
你的个人财产损失在你的保单所列的原因所致的损失。
有限范围的物品保险，如被盗的珠宝。覆盖量取决于你的居住状况。（更多全球优质产品服务请点击浏览）
What Does Homeowners Insurance Protect?
Each home insurance policy is different, but standard policies usually provide:
Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy.)
Damage to your personal property due to causes specified in your policy.
Limited coverage which is available for items like stolen jewelry. Coverage amounts vary depending on your state of residence.