As a homeowner, you’ve likely invested a significant amount of time, money, and effort into making your house a comfortable and secure living space. However, despite your best efforts, unexpected events can still occur, such as natural disasters, theft, or accidents, that can cause damage to your property.

In this blog post, we’ll explore the concept of damage to real property with your home insurance policy and provide valuable tips and advice on how to protect your investment.

What is Real Property Damage?

Real property damage refers to any damage or destruction to a home or other real property, including buildings, structures, and land. This can include damage caused by natural disasters, such as hurricanes, earthquakes, and floods, as well as man-made events, such as fires, theft, and vandalism.

How is Real Property Damage Covered by Home Insurance?

Home insurance policies typically cover real property damage caused by covered perils, such as fires, theft, and vandalism. However, the extent of coverage and the amount of damage covered can vary depending on the specific policy and the type of damage.

What Factors Affect the Amount of Coverage for Real Property Damage?

Several factors can affect the amount of coverage for real property damage, including:

  1. Type and Age of the Property: The type and age of the property can affect the amount of coverage available. For example, older homes may require more extensive repairs or replacements, which could increase the cost of coverage.
  2. Location: The location of the property can also affect the amount of coverage available. For example, properties located in areas prone to natural disasters, such as flood zones or earthquake fault lines, may require more comprehensive coverage.
  3. Value of the Property: The value of the property can also affect the amount of coverage available. For example, high-value properties may require more extensive coverage to protect their value.
  4. Type of Damage: The type of damage can also affect the amount of coverage available. For example, damage caused by a natural disaster may require more comprehensive coverage than damage caused by a man-made event.

How to Protect Your Investment from Real Property Damage:

  1. Conduct Regular Inspections: Conduct regular inspections of your property to identify any potential issues or damage before they become major problems.
  2. Maintain Your Property: Maintain your property to prevent damage caused by neglect or lack of maintenance.
  3. Upgrade Your Home Insurance Policy: Upgrade your home insurance policy to ensure you have adequate coverage for your property and belongings.
  4. Consider Additional Coverage Options: Consider additional coverage options, such as earthquake or flood insurance, if you live in an area prone to these types of natural disasters.
  5. Review Your Policy Regularly: Review your policy regularly to ensure it remains relevant and effective.

New Ideas and Advice:

  1. Consider a Home Inventory: Consider creating a home inventory to keep track of your personal belongings and their values, which can help when making a claim.
  2. Keep Records of Maintenance and Repairs: Keep records of maintenance and repairs to your property, including receipts and documentation, which can help when making a claim.
  3. Consider a Home Warranty: Consider purchasing a home warranty, which can provide additional protection for your property and appliances.
  4. Review Your Policy with Your Agent: Review your policy with your agent to ensure you understand what is covered and what is not.


Real property damage can be a significant risk for homeowners, but with the right insurance coverage and protection, you can mitigate this risk and protect your investment. By understanding what is covered by your home insurance policy, what factors affect the amount of coverage, and how to protect your property, you can ensure that your home remains safe and secure for years to come.