Does homeowners insurance cover a lost digital camera?
Lost, No. Loosing an item is not a covered cause. There is a way of covering expensive item on a homeowners policy. This is by listing them on an Inland Marine Floater. There are all kinds of items...
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Does homeowners insurance cover a homeowners fall?
You mean cover the owner who is listed on the policy? =No!
Does homeowners insurance cover a renter?
No. That's what renters insurance is for.
Does homeowners insurance cover dry wells?
The short answer is no - unless the well has run dry due to accidental damage of some sort.
Does homeowners insurance cover any auto accidents?
Not for your own. It could possibly cover someone else suing you, however.