Disasters covered
Most homeowner's are covered for the "perils" listed below. Check your insurance policy to see what your home insurance covers.
Perils
- Fire or lightning.
- Windstorm or hail.
- Explosion.
- Riot or civil commotion.
- Damage caused by aircraft.
- Damage caused by vehicles.
- Smoke.
- Vandalism or malicious mischief.
- Theft.
- Volcanic eruption.
- Falling object.
- Weight of ice, snow or sleet.
- Accidental discharge overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance.
- Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system.
- Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance.
- Sudden and accidental damage from artificially generated electrical current
(Does not include loss to a tube, transistor or similar electronic component).
Disasters not covered
Floods
You can purchase flood coverage directly from your homeowners insurance agent.
This policy is provided by the Federal Flood Insurance Program.
You can get replacement cost coverage for the structure of your home, but only actual cash value coverage is available for your possessions. There may also be limits on coverage for furniture and other possessions stored in your basement.
Flood insurance is available for renters as well as homeowners. You will need flood insurance if you live in a designated flood zone. Be aware, there is a 30-day waiting period before coverage takes effect.
Earthquakes
Earthquake coverage can be a separate policy or an endorsement to your homeowners or renters policy. It is available from most insurance companies. In earthquake prone states like California, the policy comes with a high deductible.
Maintenance damage
It is your responsibility to take reasonable precautions to protect your home from damage. Your insurance policy does not cover damage due to lack of maintenance, mold, termite infestation or infestation from
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