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What Home Insurance Covers Clemmons NC

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.

Kannapolis General Insurance
(704) 933-2038
808 Centergrove Rd
ADVANCE, NC
Services
Homeowners Insurance

Johnson Tony L Insurance Agency
(828) 258-8030
100 New Leicester Highway
ADVANCE, NC
Services
Homeowners Insurance

Johnson Toddy Insurance
(919) 776-5101
126 Carthage Street
ADVANCE, NC
Services
Homeowners Insurance

Davidson County Mutual Insurance CO Inc
(336) 248-6922
37 West 1st Avenue
LEXINGTON, NC
Services
Homeowners Insurance

Allstate Insurance-Mike Hounshell
(336) 249-0196
59 S Talbert Blvd
LEXINGTON, NC
Services
Homeowners Insurance

Kelli S. Jones Agency
(919) 661-8269
83 Glen Rd
ADVANCE, NC
Services
Homeowners Insurance

Johnson Insurance Service Inc
(336) 998-6403
130 Hwy 801 S
ADVANCE, NC
Services
Homeowners Insurance

Allstate Insurance Companies - Sales Offices- Winston Salem
(336) 721-4885
390 South Stratford Road Suite A
WINSTON SALEM, NC
Services
Homeowners Insurance

Bob Watson Agency Inc.
(336) 227-2076
111 E Harden St
LEXINGTON, NC
Services
Homeowners Insurance

Bowers Frank G Insurance
(828) 437-3084
214 Collett Street
LEXINGTON, NC
Services
Homeowners Insurance

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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