Before purchasing a homeowners insurance cover in California, you first have to find out what the areas homeowners insurance covers and areas it does not cover. Typical homeowner insurance will cover dwelling, other structures, personal property and loss of use liabilities. Some homeowner insurance will include the four coverage mentioned in the typical homeowner insurance and two extras: personal and medical liability. The dwelling liability protects your home and other structures attached to it from damage caused by a covered peril. Personal property liability covers the content in your home, including your personal belongings. The personal property liability is limited to specific properties that are susceptible to loss such as antiques, furs, jewellery, collectables, firearms, fine arts, silverware and money. If you want additional coverage on certain items, you have to purchase separately. Perils covered by homeowners insurance policy include windstorm or hail, fire or lightning, explosion, aircraft, vehicles, riot or civil commotion, smoke, vandalism & malicious mischief, theft, volcanic eruption, weight of ice, snow, sleet, falling objects, breakage of glass and sudden & accidental water damage Perils not covered by homeowners insurance policy include earthquake, flood, earth movement, insects, rats or mice, water damage caused by seepage or leaks: termites, mold, insurrection, war, neglect, tidal wave, neglect and nuclear weapons.