Exactly. Insurance will generally cover anything that it doesn't specifically exclude in the insurance documents. If you are walking with a can of paint and dro

Exactly. Insurance will generally cover anything that it doesn't specifically exclude in the insurance documents. If you are walking with a can of paint and drop it and destroy your carpet most homeowners policies will pay to replace the carpet. If you leave the water on in the tub (by accident) and flood your house the policy will most likely pay for it. However it won't cover floods from the outside. But it will cover water that comes in from the roof or through the windows (subject to any exclusion for hurricane potentially). Likewise if you decide to put together an array of lithium batteries in your bedroom most homeowners policies should cover that. After all those batteries already are in products in the house (as opposed to gasoline which would only exist in a lawn mower in small quantities in the garage).