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What Home Insurance Covers Moscow ID

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.

AIA Insurance
(509) 332-3535
375 South Grand Avenue
PULLMAN, WA
Services
Homeowners Insurance

Idahos Best Insurance
(208) 455-9688
317 Happy Day Boulevard Suite 150
Caldwell, ID
 
American Family Insurance Ryan Keen
(208) 344-2985
1175 E Parkcenter Blvd Ste 105
Boise, ID
 
Gold Medallion Insurance L L C
(208) 939-4505
50 North 2nd Street
Eagle, ID
 
Reliant Northwest Insurance
(208) 664-8141
1110 W Park Pl Ste 303
COEUR D ALENE, ID
Services
Homeowners Insurance

James Insurance
(208) 232-5856
840 East Alameda Road Suite B
Pocatello, ID
 
Farmers Insurance Post Falls Agency
(208) 773-7548
504 E Seltice Way
Post Falls, ID
 
American Family Insurance Kelby Dribnak
(208) 884-5249
1551 W Cherry Ln Ste 105
Meridian, ID
 
Idaho Insurance Inc
(208) 455-0071
1117 Cleveland Boulevard
Caldwell, ID
 
American Family Insurance Shane Butler
(208) 639-9445
10494 Overland Rd
Boise, ID
 

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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