At Northeast Insurance Advisors LLC in Easton, PA, homeowners have noticed a misconception about what is covered on a standard home insurance policy. Many assume it covers wear and tear, earthquakes, floods, mudslides, and any other peril that may occur to compromise the structure and integrity of their homes. However, we are here to take the guesswork out of what is covered and give you clarity and understanding about your home policy. This information will give you peace of mind and confidence that you and your family are well taken care of in case of the unthinkable.
What is covered in a standard home policy?
A standard home insurance policy usually covers perils such as house fires, lightning, hail damage, vandalism, falling objects, theft, windstorms, the weight of snow and ice, explosions, smoke damage, accidental water discharge, and damage caused by a vehicle or aircraft (other than yours). It’s important to note that coverages may vary slightly depending on your insurance agency and their specific coverage policies.
A standard policy typically covers damage caused by civil commotion (unrest) or rioting.
What is not covered (excluded) from a standard home policy?
There are common exclusions to home insurance policies, such as earthquakes, floods, pest infestations, normal wear and tear, the growth of mold, and other perils listed explicitly in the policy exclusions section of your home insurance policy. Though a standard homeowner policy doesn’t cover earthquake and flood coverage, they can be added at an additional cost.
For more information on home insurance policies
Home insurance policies can be tricky, but we are here to simplify everything for you, from insurance terminology and jargon to maintaining your policy and filing a claim if needed. At Northeast Insurance Advisors LLC in Easton, PA, we have the experience and expertise to give you peace of mind concerning the protection of your home and family.
