What Can Home Insurance Cover?

Insurance Coverage San Gabriel CAWhen purchasing or reviewing your homeowners insurance policy, note what it can and cannot cover.

Home insurance can protect your home, building, and belongings in the event of a peril that is listed on your policy. This prevents you from being financially strained from rebuilding your home and replacing your losses. Below is what a standard homeowners insurance policy can and cannot protect.

Natural Disasters
Typically, homeowners insurance provides broad coverage for damage caused by disasters or other perils. This can include incidents such as fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism, and theft. You should check your dollar limits of insurance in your policy and make sure that you are comfortable with the amount of insurance for specific items.

Valuable Items
The standard policy provides only around $1,000 to $2,000 for theft of jewelry. If your jewelry is worth a lot more, you should purchase higher limits or add an additional policy to cover expensive possessions. Valuable items such as paintings, electronic equipment, stamp collections, or art may not be covered in your normal policy.

Flood Damage
Homeowners insurance does not typically cover flood damage. Flood insurance is a separate insurance policy and it is a good idea to purchase this as it covers flooding from rain, mudslides, pipe bursts, and more.

Earthquake coverage is an additional coverage to the homeowners policy. The cost of coverage can vary significantly on the area, depending on the risk of an earthquake, so be sure to talk to a trusted agent for advice in the Westminster or San Gabriel California area.

Liability Protection
Your policy will pay for damages done to your property, legal expenses, and medical bills for accidents that occur on your property. The standard dollar coverage is $100,000, but higher limits are available and recommended if you have higher risk factors such as a pool or a dog.

If a tree falls during a storm and damages your roof or building, you are covered for the damage as well as the costs of removing the tree. To prevent this, be sure to cut down dead or dying trees that are located close to your home.

At Pulp Street Insurance Agency, we provide accurate home insurance to suit your home and budget. We can protect homes in the San Gabriel and Westminster areas of California, so be sure to give us a call today!

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