Does Homeowners Insurance Protect Furniture?

Home insurance can be a complex and varied topic. Many homeowners understand that home insurance covers damage, liability, and similar situations. However, many homeowners are left scratching their heads when it comes to determining whether or not their furniture is covered by their home insurance. As a Miami, FL, and Kissimmee, FL homeowners’ insurance company, our team at Absolute Choice Insurance has created this guide to help homeowners understand whether or not their furniture is covered by their home insurance.

What Does Standard FL Homeowners’ Insurance Cover?

Standard homeowner insurance covers an array of issues and situations that homeowners may face throughout their time as a homeowner. The first form of coverage offered by standard homeowner insurance is dwelling protection, which covers the structure of the home such as its walls and roofs, and any attachments to the home, such as a garage or deck. Next is other structures protection, which covers detached structures on the property such as garages, sheds, and fences.

Many homeowners are unaware that standard homeowners insurance protects more than just their home. Liability protection covers legal expenses or medical bills should someone become injured on a property and the homeowner is found to be at fault. Lastly, there’s personal property protection, which many homeowners are unfamiliar with. Personal property protection covers a homeowner’s personal belongings if they are damaged or destroyed by a covered risk.

Is Furniture Protected By any of the Standard Home Insurance Coverage Types?

Furniture is covered by the personal property protection offered by standard home insurance policies. Furniture is considered personal property and is covered if it is lost due to theft, fires, hurricanes, or any other covered disasters. Personal property protection coverage is typically valued at up to 70% of the insurance that a homeowner carries on their home’s structure. However, there are many things that homeowners must do to be able to take full advantage of their furniture coverage.
In most cases, homeowners must pay a deductible before their insurance benefits kick in. It is also important for homeowners to be able to offer evidence that the furniture in question is theirs and that it was impacted by one of the covered disasters. Homeowners can do this by taking a running inventory of their home’s furniture and the current state of said furniture. This information can then be referenced when dealing with an insurance provider.

Acquiring Additional Furniture Coverage

While standard homeowner insurance covers furniture that is lost due to a variety of causes, many homeowners may want more comprehensive coverage for their furniture in an even wider array of situations. In such cases, homeowners can consider supplementing their home insurance with a peril policy. These policies cover an array of more specific situations that may not be covered by standard homeowners insurance.

Some examples of what is covered by a peril policy include:

  • Lightning
  • Fire
  • Wind
  • Snow, ice, sleet, and hail
  • Explosions
  • Community unrest
  • Theft
  • Vandalism
  • Smoke damage
  • Electric damage
  • Damage caused by a vehicle
  • Volcanic eruptions
  • Water damage caused by plumbing and HVAC systems
  • and more

As you can see, even basic homeowners insurance offers a wide array of protection for homeowners and their furniture, especially when supplemented with additional coverage options. Contact Absolute Choice Insurance to get the coverage that you need for your home’s furniture!


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