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What Home Insurance Covers Leland 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.

Nationwide Insurance Companies - Agency Offices
(910) 791-5567
929 South College Road
LELAND, NC
Services
Homeowners Insurance

Allstate Insurance - Randy Gibson
(910) 392-2484
413 S College Rd
WILMINGTON, NC
Services
Homeowners Insurance

Brunswick County Farm Bureau
(910) 457-9559
Po Box 11146
SOUTHPORT, NC
Services
Homeowners Insurance

Whitley James C Insurance Agency Inc
(336) 841-5300
2610 North Main Street
ASHEVILLE, NC
Services
Homeowners Insurance

Elmer R. Midgett Jr. Agency
(252) 473-3930
206 Budleigh St
CHARLOTTE, NC
Services
Homeowners Insurance

Allstate Insurance - George A. Young
(910) 686-3666
7208-3 Market St
WILMINGTON, NC
Services
Homeowners Insurance

Able Auto & Cycle Insurance Agency Inc Latin Divsn
(910) 799-9889
4209 Oleander Drive
WILMINGTON, NC
Services
Homeowners Insurance

HomeInsurance.com
(910) 452-1000
4829 Carolina Beach Rd.
Wilmington, NC
 
Edward Ray Edwards Insurance Agency Inc
(252) 946-7761
117 North Respess Street
CHARLOTTE, NC
Services
Homeowners Insurance

Able Auto & Cycle Insurance Agency Inc Latin Divsn
(910) 799-9889
4209 Oleander Drive
WILMINGTON, 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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