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What Home Insurance Covers Missoula 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.

Hanson Keith American West Insurance
(406) 257-9378
1325 Ushighway 2 West
Kalispell, MT
 
Solutions4insurance Llc
(406) 727-5440
1818 10th Avenue South
Great Falls, MT
 
Talbot Agencies
(406) 752-8693
6 Sunset Plaza
Kalispell, MT
 
Cascade Mutual Insurance
(406) 453-3923
5000 9th Avenue South
Great Falls, MT
 
Cherokee Capitol Inc
(406) 423-5428
Po Box 251
Hobson, MT
 
Farmers Insurance Group Of Companies
(406) 222-7788
1016 West Park Street
Livingston, MT
 
Nommensen Robert N Insurance
(406) 452-8588
2922 10th Avenue South
Great Falls, MT
 
Allstate Insurance
(406) 656-1331
1523 14th St W
Billings, MT
 
Ericksonbaldwin Insurance Associates Mim
(406) 265-1226
Po Box 2500
Havre, MT
 
Hoiness Labar Insurance
(406) 245-6511
2323 2nd Ave N
Billings, 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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