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What Home Insurance Covers Clovis NM

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 - Jalene Berger
(505) 891-1780
1117 Rio Rancho Dr Se #28
RIO RANCHO, NM
Services
Homeowners Insurance

Cooperative Insurance
(505) 266-7771
2001 San Mateo Blvd NE
ALBUQUERQUE, NM
Services
Homeowners Insurance

Brown & Brown Of New Mexico In
(505) 821-5888
6121 Indian School Rd Ne
ALBUQUERQUE, NM
Services
Homeowners Insurance

Miller Insurance Center
(505) 889-9300
3600 Menaul Boulevard Northeast
ALBUQUERQUE, NM
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Homeowners Insurance

Farmer''s Insurance JD Whittington Agency
(505) 396-3925
107 North Main Avenue
LOVINGTON, NM
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Homeowners Insurance

Allstate Insurance - Joanne Martin Shaw
(505) 954-4070
1476 St. Francis Drive
SANTA FE, NM
Services
Homeowners Insurance

Talbot Agency Inc
(505) 828-4145
7770 Jefferson St NE
ALBUQUERQUE, NM
Services
Homeowners Insurance

Farmers Insurance Group of Companies
(505) 286-5050
12126 State Highway 14 North
CEDAR CREST, NM
Services
Homeowners Insurance

Kinney Agency Llc
(505) 262-2621
320 Osuna Rd
ALBUQUERQUE, NM
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Homeowners Insurance

Allstate Insurance - Lee Dunsirn
(505) 345-3383
4909 C Ellison N E
ALBUQUERQUE, NM
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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