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What Home Insurance Covers Kearney NE

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.

Stanczyk Kiffany Insurance
(308) 234-1839
3423 2nd Avenue
Kearney, NE
 
Allstate Insurance Bob Meyer
(402) 965-4206
5243 N 129th Street
Omaha, NE
 
Allstate Insurance Kris Rosenow
(402) 488-0955
4221 O St
Lincoln, NE
 
Brooke Insurance And Financial Services
(402) 643-2909
246 South Columbia Avenue
Seward, NE
 
American Family Insurance - Michael Masters
(402) 292-1624
2219 Capehart Rd, Ste 103
BELLEVUE, NE
Services
Homeowners Insurance

Farm Bureau Financial Services Don Lieske Bob Hollander Home Office Tom Band
(402) 477-6262
3633 O Street Suite 4
Lincoln, NE
 
Farmers Union Insurance Co Steve Winter
(402) 223-5555
815 Court Street
Beatrice, NE
 
Ab Insurance Agency Inc
(402) 558-0777
2003 North 72nd Street
Omaha, NE
 
Allstate Insurance Wil Stephany
(402) 894-5658
14445 F St.
Omaha, NE
 
Farm Bureau Insurance
(402) 562-7777
2921 23rd Street
Columbus, NE
 

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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