Home Insurance

Dwelling coverage is the cost to replace the dwelling and anything attached.

Dwelling and other structures both have open peril coverage, which means the property is covered for any peril except for exclusions.

Covered Peril Examples:

Additional Coverage Included:

Exclusions that could be added:

Earth Movement (Earthquake, Mudslide, sinkhole)

Ordinances or law –

Flood

War and terrorism

Water Damage (Water backup of sewer, drains, or sump pump. Water seepage and leakage (Plumbing, washing machine, dishwasher)

Power Failure (Power outage

Exclusions:

Neglect

Intentional loss by insured or someone else at the insured’s direction

Excluded from insurance but may be assisted from the government:

Nuclear hazard

governmental action- destruction, confiscation, and seizure of property by government or public authority

Volcanic Activity

Fire

Lightening

Civil:

Explosion

Civil Commotion

Riot

Vandalism

Malicious mischief

Vehicle:

Vehicles Aviation

Additional Coverage:

Reasonable Repairs- Pays cost of repairs to protect the home from further damage from multiple/prolonged perils.

Debris Removal

Trees, Shrubs, and other plants