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Which Disasters Are Covered by Homeowners Insurance?

Which Disasters Are Covered by Homeowners Insurance?

Homeowners insurance covers you for many disasters, but which ones specifically, and which ones does it not cover?

The standard homeowners insurance policy covers a diverse and wide range of disasters. Everything you need to know is inside of your home insurance policy, but the language can be a bit arduous to decipher. If this is the case, you can talk to your insurance agent and get a clear understanding of what is and is not covered. To get a broad idea of what is covered by the general homeowners insurance policy, we have a made a handy guide for you.

Disasters That Are Covered by Homeowners Insurance 
(*The following disasters are covered by all HO- policies unless otherwise indicated.)

  1. Windstorm or hail
  2. Fire or lightning
  3. Explosion
  4. Damage caused by an aircraft
  5. Volcanic eruption
  6. Theft
  7. Vandalism or malicious mischief
  8. Damage caused by vehicles
  9. Smoke damage
  10. Riot or civil commotion
  11. Accidental discharge or overflow of water from within the plumbing, heating, air conditioning, or automatic fire-protection sprinkler system (HO-2 – HO-6)
  12. Freezing of plumbing, heating, air conditioning, or automatic fire-protection sprinkler system (HO-2 – HO-6)
  13. Accidental cracking, tearing, bulging, or burning of plumbing, heating, air conditioning, or automatic fire-protection sprinkler system (HO-2 – HO-6)
  14. Falling object (HO-2 – HO-6)
  15. Sheer weight of accumulated ice, snow, or sleet (HO-2 – HO-6)

Disasters That Are NOT Covered

  1. Floods –Flood damage is not covered under your home insurance, but you can purchase a separate flood insurance. You are either high-risk or low-risk and your premium is based on where you live.
  2. Earthquakes – Earthquake damage can be covered by purchasing earthquake insurance and is based on the risk of earthquake potential.
  3. Maintenance Damage – It is your responsibility to make sure that all your systems work correctly. Your negligence towards your equipment will not be covered.

Get in touch with your Pierce Insurance Group agent and contact us today for an all-encompassing homeowners insurance policy in McKinney, Texas.