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What Home Insurance Covers Butte MT

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.

Beartooth Insurance Inc
(406) 446-2300
106 S Broadway Avenue
Red Lodge, MT
 
Allstate Insurance
(406) 656-1331
1523 14th St W
Billings, MT
 
Allstate Insurancecarrie Martin Cpcu Cic
(406) 442-5993
1120 Helena Ave
Helena, MT
 
Nommensen Robert N Insurance
(406) 452-8588
2922 10th Avenue South
Great Falls, MT
 
Cherokee Capitol Inc
(406) 423-5428
Po Box 251
Hobson, MT
 
Hoiness Labar Insurance
(406) 245-6511
2323 2nd Ave N
Billings, MT
 
Ericksonbaldwin Insurance Associates Mim
(406) 265-1226
Po Box 2500
Havre, MT
 
Talbot Agencies
(406) 752-8693
6 Sunset Plaza
Kalispell, MT
 
Intermountain Insurance Agency Of Montana
(406) 452-2509
17 5th Street North
Great Falls, MT
 
Solutions4insurance Llc
(406) 727-5440
1818 10th Avenue South
Great Falls, MT
 

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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