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What Home Insurance Covers Bettendorf IA

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.

Allstate Insurance Dennis Royle Croquart
(563) 359-4644
2705 Kimberly Road
Bettendorf, IA
 
Allstate Insurance Christy Cox
(563) 359-4079
5159 Utica Ridge Rd
Davenport, IA
 
First Express Insurance
(712) 374-2645
800 Illinois
Sidney, IA
 
Gade Insurance Services Inc
(712) 778-2683
417 Main
Griswold, IA
 
Elgersma Agency
(712) 729-3691
313 Main Street
Sanborn, IA
 
Mel Foster Company Inc
(319) 359-5446
3218 E 35th Street Ct
Davenport, IA
 
Trissel Graham Toole Inc
(563) 322-3521
220 Emerson Pl Ste 200
Davenport, IA
 
Trissel Graham Toole Inc
(563) 322-3521
220 Emerson Pl Ste 200
Davenport, IA
 
Allstate Insurancejeff Clark
(319) 235-3008
3120 Kimball Ave Ste A
Waterloo, IA
 
Oconnor And Associates Insurance Agency Inc
(563) 557-7440
305 Locust Street
Dubuque, IA
 

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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