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What Home Insurance Covers Pawtucket RI

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.

Vincent S. Podmaska Agency
(401) 273-8700
1465 Atwood Ave
Johnston, RI
 
Larry H. Miranda Insurance & Financial Services
508-78-8825
Carey, Richmond & Viking affiliate
Tiverton , RI
Alternate Phone Number
508-789-8825

Ltc Solutions
(401) 727-9380
100 East Ave
Pawtucket, RI
 
Lozy Louis Ins
(401) 722-4271
450 Armistice Blvd
Pawtucket, RI
 
Stevens Geo T III Ins
(401) 722-1185
100 East Ave
Pawtucket, RI
 
Vincent S. Podmaska Agency
(401) 273-8700
1465 Atwood Ave
Johnston, RI
 
Pawtucket Mutual Insurance
(401) 727-0019
233 Main St
Pawtucket, RI
 
Affordable Insurance
(401) 725-2222
44 East St
Pawtucket, RI
 
Ameen Edward and Robert
(401) 725-0341
390 Newport Ave
Pawtucket, RI
 
Allstate Insurance Companies
(401) 729-1911
727 East Ave
Pawtucket, RI
 

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...

Click here to read the rest of this article from Insurance Guide 101

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