At your home, you rely on having a safe, comfortable place to live. When you purchase a home insurance policy, it should contain a description of your home’s structure and a list of excluded events that may not be included. It’s important to ensure you understand what is included in your coverage and any additional options you may want to consider.
Structures vary so widely that a different policy is usually required for each type of home. For instance…
Most insurance companies offer coverage for the same events that may damage the structure of your home, including fire, smoke, lightning, wind, hail, frozen plumbing, theft, explosion, vandalism, the weight of ice and snow, and a few others. Talk to your agent about the different coverage options available to you.
To learn more about the most common types of disasters or claims in your area (and the most expensive ones), use our interactive tool Lengal Financial’s Common & Costly Claims site.
An agent should explain the events that would not be covered by your specific policy based upon your home’s structure. Typically, floods and earthquakes are excluded from basic policies, but in some areas, you may be able to get supplemental insurance policies for those situations. A few other conditions most companies specifically exclude are mold, fungus, wet rot, dry rot and bacteria.
Reimbursed Living Expenses
A benefit that can help lessen the hardship of living elsewhere while your home is under repair.
Coverage Limits and Deductibles
These help determine how much you are paid if you file a covered claim.
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