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What Home Insurance Covers Wheeling WV

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.

E. A. Lambert Agency
(740) 633-0343
111 S 4th St
MARTINS FERRY, OH
Services
Homeowners Insurance

John L. Harler Agency
(304) 845-6606
903 Wheeling Ave
GLEN DALE, WV
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James W. Stevens Agency
(304) 824-5300
8048 Lynn Ave
HAMLIN, WV
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Jones Insurance Agency
(304) 725-3434
300 W Washington St
CHARLES TOWN, WV
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Michael David Burnell Agency
(304) 296-3229
277 Don Knotts Blvd
MORGANTOWN, WV
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Stanley S. Norek Agency
(740) 676-3242
3814 Central Ave
SHADYSIDE, OH
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Ronald P. Pizzoferrato Agency
(740) 535-0487
664 Commercial St
MINGO JUNCTION, OH
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Harold K. Michael Agency
(304) 538-6225
125 S Main St
MOOREFIELD, WV
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William J. Brady Agency
(304) 622-6007
422 Buckhannon Pike
CLARKSBURG, WV
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Wesley P. Staud Agency
(304) 363-2136
2612 Fairmont Ave
FAIRMONT, WV
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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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