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Which Disasters Are Covered by Homeowners Insurance? 

As you might suspect, homeowners insurance does a good job of protecting your home and belongings from disasters. Standard homeowners insurance policies generally cover a wide range of potential disasters, from windstorms to fire to theft to lightning strikes. To learn more about what homeowners insurance in Antioch, CA can cover, take a look at some disasters that are and are not covered.

Most standard home insurance policies cover the following perils:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot
  • Damage caused by vehicles
  • Damage caused by aircraft
  • Smoke
  • Vandalism
  • Theft
  • Falling object
  • Weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam from the plumbing system

While most home insurance policies are incredibly comprehensive, every policy has its limits. Mass-destruction events are often not covered, meaning you will need to take out separate coverage. Take a look at what standard home insurance policies do not cover.

Floods. Flood damage is excluded from standard home insurance coverage. However, it is available in the form of a separate policy from the National Flood Insurance Program and private insurers. Whether or not you are located in a flood zone, keep in mind that anywhere can flood. The effects of flooding can be devastating, so be sure to secure this reliable coverage.

Earthquakes. Earthquake damage coverage can be a separate policy or an endorsement to your homeowners or renters policy. Especially in California, this coverage is well worth taking out.

Maintenance damage. As a homeowner, it is your responsibility to take reasonable precautions to protect your home from damage. Your insurance will not help to cover damages due to lack of maintenance, mold, and termite infestation.

When you’re ready to secure a quality homeowners insurance policy, talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!

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