Protecting Your Home Against Disaster
A home is one of the most expensive assets owned by most Americans. Homeowners spend a significant part of their savings and life's earnings buying and furnishing their property. While no one wants to think about the worst that can happen, homeowners should be ready for natural and man-made disasters. While some disasters might be covered under your policy, many others might require you to pay for the damages from your own pocket.
A standard home insurance policy will cover the following disasters:
- Fire or lighting
- Windstorm or hail
- Explosion
- Smoke damage
- Vandalism
- Theft
- Damage caused by vehicles
- Damage caused by aircraft
- Riot or civil commotion
In addition to these disasters, most home insurance policies will protect from falling objects, theft, vandalism, smoke, and accidental discharge from plumbing or heating.
Read through your home insurance policy so you know which disasters are covered. It's equally important to know which disasters are not covered. Mudslides, landslides, sinkholes, floods, and earthquakes are generally not covered in standard home insurance policies. You can purchase separate coverage for flood and earthquake damages, protecting your home and belongings from these risks.
Talk with your insurance agent if you're unsure about how your
home insurance can help after a disaster. The team at Little & Sons Insurance Services in Banning, California can help find reliable coverage!
Contact us today to get started.
