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Home Insurance
   
 

 

Home Insurance

Homeowners insurance keeps you from financial losses when disaster strikes your home. A standard policy insures the house and all the things you keep in it.

What's Usually Covered
Damages caused by these things are usually covered in standard home insurance policies:

  • Fire and lightning
  • Theft
  • Vandalism (as long as the house has not been vacant for more than 30 days)
  • Windstorm or hail
  • Smoke
  • Explosion
  • Aircraft or vehicle crashing into home or property
  • Weight of snow or ice
  • Electrical surge
  • Dog Bites 
  • Freezing, burning, sudden tearing apart or overflow from a plumbing, heating, air conditioner, sprinkler system or other appliance
  • Volcano
  • Falling objects

What's Not Usually Covered
Damages caused by these things are usually not covered in standard home insurance policies:

  • Flood
  • Earthquakes
  • Nuclear explosion
  • War
  • Mold
  • Maintenance repairs (like repairing your roof because it's old)
  • Damage from rodents and insects
  • Home business equipment (you need a separate policy to cover a home business)


Damages caused by natural disasters are also covered with a few exceptions.

If part of your house was rented, the insurance company will also compensate you for rent lost by you.



 

   
 

 

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