Summit Insurance Advisors
by on May 01, 2018
Homeowner insurance policies vary greatly from one carrier to another, and standard policies can cover a wide range of disasters from snowstorm damage to tornadoes – or, they might not. It’s important that you know exactly what your particular policy covers so that you can rest easy about what is covered and purchase additional coverage for what isn’t covered.
What Disasters are Typically Covered?
In general, perils that are covered by insurance for dwelling and personal property include windstorms and hail; explosions, fire and/or lightning damage; damage caused by vehicles, aircraft, theft, or vandalism; damage from volcanic eruptions, and accidental discharge or overflow of water or steam from plumbing, heating, air conditioning, or sprinkler systems. Looking over your specific coverage, you might find that damage from riots or commotion is covered, as is damage from a falling object. Frozen plumbing most likely will be covered, in addition to the weight of snow, ice, or sleet causing damage.
What Perils are Typically Not Covered?
For the most part, perils except earthquakes, floods, war, landslides and mudslides, sinkholes, nuclear accidents, and floods are NOT usually covered:
Never go through time owning a home without becoming very familiar with what your policy covers and doesn’t cover. Can you imagine the stress, heartbreak, and frustration it would cause to just assume something was covered under your policy, only to find out (too late) that it wasn’t? It’s a risky game that can financially and emotionally ruin you and those you love; be sure to skip the risk and protect yourself with comprehensive homeowner’s insurance that will have endorsements or additional policies you need.
Summit Insurance can help! We specialize in shopping for your insurance, so you don’t have to! Contact our insurance advisors today to request a homeowner’s insurance quote online with no fee, no pressure, and no obligation.
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