What does your homeowners policy cover?
What does your homeowners policy cover?
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Hail, lightning, and other weather that could cause damage to your roof windows, siding, or more. Falling branches and other debris included!
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From a kitchen fire’s smoke damage
fire to a large, accidental fire, your policy has you covered. -
This includes vandalism, but ask about special limits on things such as jewelry, money, or collectibles. These can be insured up to a certain amount.
Most importantly, what isnt covered?
HOME MAINTENANCE: Repairs from any wear and tear are not covered.
FLOODING: Policies don’t cover flood damage.
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While flooding and maintenance are common concerns, land movement and house/concrete setting are also not covered bu policies that homeowners should be aware of.
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While there are many different factors that determine the premium price, the age of the roof is a big factor. The newer the roof, the lower the policy.