What kinds of damage does a basic homeowners policy cover?
Most basic policies protect against damage from: * Fire and lightning * Windstorm and hail * Explosion * Riot and civil commotion * Aircraft * Vehicles * Smoke * Vandalism and malicious mischief * Theft * Damage by glass or glazing material that is part of a building * Volcanic eruption You can also step up coverage to include: * Falling objects * Weight of ice, snow, and sleet * Three kinds of water-related damage from home utilities or appliances * Electrical surge damage Protection is subject to policy limits and deductibles can vary. 9. What damage would not be covered by my homeowner’s policy? It depends on the type of policy you own. But in general, unless you buy additional coverage, you won’t be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply. 10. If my home burned down, how much money would I get? Insurance companies normally use one of two methods to figure how much you w
• Fire and lightning • Windstorm and hail • Explosion • Riot and civil commotion • Aircraft • Vehicles • Smoke • Vandalism and malicious mischief • Theft • Damage by glass or glazing material that is part of a building • Volcanic eruption You can also step up coverage to include: • Falling objects • Weight of ice, snow, and sleet • Three kinds of water-related damage from home utilities or appliances • Electrical surge damage Protection is subject to policy limits and deductibles can vary.
Most basic policies protect against damage from: • Fire and lightning • Windstorm and hail • Explosion • Riot and civil commotion • Aircraft • Vehicles • Smoke • Vandalism and malicious mischief • Theft • Damage by glass or glazing material that is part of a building • Volcanic eruption You can also step up coverage to include: • Falling objects • Weight of ice, snow, and sleet • Three kinds of water-related damage from home utilities or appliances • Electrical surge damage Protection is subject to policy limits and deductibles can vary.
Most basic policies protect against damage from: Fire and lightning, windstorm and hail, explosion, riot and civil commotion, aircraft, vehicles, smoke, vandalism and malicious mischief, theft, damage by glass or glazing material that is part of a building, and volcanic eruption. You can also step up coverage to include: Falling objects, weight of ice, snow, and sleet, water-related damage from home utilities or appliances, electrical surge damage. Before any loss call your insurance agent. Protection is subject to policy limits and deductibles can vary.
