I have USAA insurance for everything. They are the absolute best IMO. For my homeowners policy (I've had renters and it was the same), all that you mentioned, would likely be covered. Even though I have access to this, I have shopped around and every company I talked to when told I was with USAA said they couldn't touch their rates. AND, we get a tasty little dividend every Christmas reflecting the difference between the company's revenues and the claims paid out.
The only thing is to get it you have to be either military, former military, or a dependent. Similar to the loose rules of joining a credit union. But the rules nonetheless.