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What Home Insurance Covers Washington DC

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.

American Skyline Insurance Company
(202) 842-8977
Adams Morgan
Washington, DC
 
Aon Risk Services Inc
(202) 862-5312
1120 20th St Nw
Washington, DC
 
D H Lloyd And Assoc Inc
(202) 223-1506
1625 K St Nw Ste 1210
Washington, DC
 
Crystal Ins Agency
(202) 387-9163
2700 Ontario Rd Nw Ste 200
Washington, DC
 
March Usa Inc
(202) 828-7900
1255 23rd St Nw
Washington, DC
 
Nationwide Ins Co
(202) 548-5240
420 8th St Se
Washington, DC
 
Allstate Insurance - AgentHut
(202) 265-4922
1804 Vernon St Nw200
WASHINGTON, DC
Services
Homeowners Insurance

Mcdermott Insurance
(202) 331-7500
1000 Connecticut Avenue Northwest
Washington, DC
 
Insurance Washington DC | Kevin Hassett
(202) 463-8407
1001 Connecticut Avenue NW
WASHINGTON, DC
Services
Homeowners Insurance

Precision Insurance Agency
(202) 832-0761
2312 Rhode Island Avenue Northeast
Washington, DC
 

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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