How Does Your Homeowners Insurance Protect You Against Disasters?

Which disasters are covered by my homeowners insurance?

While you know that your homeowners insurance in Carrolton, Texas offers you a wide array of coverages, you might be curious to learn about the specifics of your policy.  For instance, you might be curious to learn which natural disasters your home is covered against.  For clarification, here is a closer look at the coverage offered by your home insurance.

What is Covered?

While your individual policy will specify exactly what you are covered for, if you have the HO-2 form (broad policy) of homeowners insurance, then you will be covered for the following 16 disasters:

  1. Lightning or Fire
  2. Hail or Windstorm
  3. Explosions
  4. Damage caused by an aircraft
  5. Theft
  6. Riots or civil disturbances
  7. Smoke damage
  8. Damage caused by vehicles
  9. Vandalism
  10. Falling objects
  11. Volcanic eruption
  12. Pipe freezing
  13. Damage from the weight of snow and ice
  14. Water damage from plumbing, heating, or air conditioning
  15. Water heater cracking, tearing, and burning
  16. Damage from electrical currents

If you have the more common HO-3 form (special policy) of insurance, then you will have coverage that extends beyond these 16 perils.  In fact, you will have coverage against every disaster unless it is specifically excluded in your policy.

What Isn’t Covered?

There are only a few disasters that are not covered under standard homeowners insurance; earthquakes and floods.  If you want to secure coverage against these threats, then you will have to secure a specialty earthquake or flood insurance policy.

This is what your home insurance will and will not cover when it comes to natural disasters.  Do you have additional questions regarding your homeowners insurance in Carrollton, Texas?  If so, then don’t hesitate to contact the professionals at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.