america's home place

America’s home place - Insuring Your Home - Posted at 03:15 on Monday, April 7, 2008 by America

America’s home place - Insuring Your Home

When you bought your home, you took out an insurance policy to cover the house and all of your family’s belongings inside. But was that the last time you thought about your insurance coverage? Homeowners insurance includes insurance on the actual structure and the contents inside.

The structural part of the package generally covers damage such as fire and smoke, lightning, wind and hail storms, vehicles, explosion, and aircraft or other falling objects. The package should also include coverage for theft, vandalism, riot or civil commotion, freezing or sudden water escape from the plumbing system or appliances, glass breakage, and sudden tearing of heating or cooling systems.

A comprehensive homeowner’s policy should cover your home, any structure attached to it like a porch or garage and any unattached buildings on your property that are not used for business or rented to others. Damage caused by flooding, earthquakes and hurricanes are not covered by your regular homeowner’s policy. Your insurance agent can provide you with information about coverage of these natural disasters.

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