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What Home Insurance Covers Albany GA

Do you notice that many natural disasters are excluded from home insurance policies? You can get a special rider or endorsement to cover you for flood, earthquake, landslide, mudslide, or sinkhole. However, be prepared for this type of home insurance coverage to cost you a lot more - especially if you want flood coverage and you are in a flood-prone area for instance.

Wilson Insurance Agency
(229) 888-9605
2218 Palmyra Road
Albany, GA
 
Southern Providers Agency Inc
(229) 888-2955
854 West Oglethorpe Boulevard
Albany, GA
 
Howard Ventulett And Bishop
(912) 883-2424
1803 Gillionville Rd
Albany, GA
 
Gayler Insurance Agency Inc
(706) 857-6521
11544 Highway 27
Summerville, GA
 
Allstate Insurance Christopher Heisler
(404) 843-8716
4617-a Roswell Rd.
Atlanta, GA
 
Malone Insurance Agency Inc
(229) 432-2349
623 West Oglethorpe Boulevard # B
Albany, GA
 
Powell Louis Agency
(229) 883-6204
1718 Gillionville Road
Albany, GA
 
Bozeman Agency
(229) 776-2832
304 North Isabella Street
Sylvester, GA
 
K J Insurance Agency
(770) 760-9779
903 Commercial Street Northeast
Conyers, GA
 
Allstate Insurance Dondi Flemister
(770) 739-0883
665 Thornton Way Suite A
Lithia Springs, GA
 

What Home Insurance Covers

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What Home Insurance Covers

Home insurance is notoriously complex. The complexity is around the types of "perils" covered by your policy.

"Perils" are the ways and means by which damage occurs. The easiest way to explain this is to look at the standard list of perils which most insurers consider:

  • fire or lightening home insurance
  • theft home insurance
  • volcanic eruption home insurance
  • falling object home insurance
  • weight of ice, snow or sleet home insurance
  • accidental discharge of or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or from a household appliance
  • explosion home insurance
  • riot or civil commotion home insurance
  • damage caused by aircraft home insurance
  • damage caused by vehicles home insurance
  • sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
  • windstorm or hail home insurance
  • smoke home insurance
  • vandalism or malicious mischief home insurance
  • freezing of a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or of a household appliance
  • sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, translator or similar electronic component).

You can get an "all perils" policy, which will cover you for the complete list of perils. Most home insurance policies will have some limitations.

Do you notice that many natural disasters are excluded from home insurance policies? You can get a special rider or endorsement to cover you for flood, earthquake, landslide, mudslide, or sinkhole. However, be prepared for this type of home insurance coverage to cost you a lot more - especially if you want flood coverage and you are in a flood-prone area for instance.

ALWAYS check your home insurance policy to be sure you know exactly what perils you are cove...

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