Does homeowners insurance cover accidental damages to the home? My son accidently damaged our kitchen floor- is this covered? Mychele H., Michigan

Mychele,

In regards to your question below: A standard homeowners policy would not provide coverage for a situation like this because it is not one of the perils listed in a standard policy. However, it is always a good idea to read your individual home insurance policy to determine your individual coverages and endorsements. You may also want to contact the company you are insured with for any additional questions.

Thank you for visiting HomeInsurance.com.