Generally, a homeowners policy will have coverage for dwelling (your home), other structures (structures on your lot, not attached to your house), personal property, and additional living expenses. A business policy will often have coverages for business property and loss of business income, wherein a landlord policy will have coverage for the rental property, whether commercial or residential and a loss of rent. Besides policy limits on the declarations pages for each particular policy, other limitations may apply to your recovery. Even beyond properly documenting your damages to maximize recovery, Gakin Law Corporation works with clients to properly document and designate all damages to maximize the chances and amount of recovery. In an instance of a theft, there may be special limits that significantly limit recovery for stolen cash, jewelry, watches, firearms, electronics, rugs, and furs. Damage to personal or business property from fire, water, or any other type of damage should be properly documented with photos and items preserved for inspection. A policyholder should not discard any items until an insurance carrier has agreed to pay for a replacement. When submitting a claim for additional living expenses, a policyholder may seek payment for increased utility and food expenses, but these must be properly documented. The above limitations and others may apply, so you as a policyholder should consult Gankin Law Corporation or your attorney as early as possible in your claims process. Contact us at (866) 529-2820 for a free consultation.