Which Disasters Are Covered By My Homeowners Insurance?

Protect your home from natural disasters with reliable home insurance.

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 that you know which disasters are covered. Equally, it’s important to know which disasters are not covered. Often, mass destruction events are not covered under standard home insurance. This means that you should acquire separate coverage for disasters such as floods and earthquakes.  Keep in mind that your home insurance will not cover your home for maintenance damage and repairs. It is your responsibility to maintain the upkeep of the property.
Rest easy knowing you have reliable homeowners insurance at hand. Are you ready to get started on securing the right homeowners insurance in Fresno for your home?  Visit the professionals at McCarty Insurance Agency to get started today! We can help you understand the ins and outs of your chosen policy.