Covered Causes Under Your Homeowners Insurance

Where Will Your Policy Protect You? Your homeowner's insurance policy is designed to protect you. That does not mean, however, that you should just assume that it will kick in no matter what kind of disasters come your way. Your homeowners insurance will provide a number of standard protections, but there are areas into which it does not extend. So you can best be protected, double-check that your homeowners insurance coverage contains coverage  against these standard covered causes.

• Fire
• Smoke
• Lightning
• Hail
• Windstorm
• Explosion
• Riot
• Damage caused by vehicles and aircrafts
• Vandalism
• Theft
• Volcanic eruption

You may note that a couple of key disasters are not included in that list. That is because floods and earthquakes are not covered by standard homeowners insurance policies. In order to be protected against these disasters, you need to obtain a separate policy that offers coverage for these  specific disasters.  Your insurance agent will be able to guide you towards the right way to pair these policies with your existing coverage in order to maximize your protection while minimizing your expense. Additionally, remember that your homeowners insurance will not protect you if damage befalls your home due to your lack of maintenance. In other words, mold or termite damage resulting in  issues around your house are not covered causes. This may sound like a lot of information to take in. If you are feeling overwhelmed by the process of understanding the exact coverage you need to truly protect your home, contact Lofgren Agency. As the local insurance experts in Chatham, Hudson, and all of New York, we are here to act as your guide to help you get the right level of homeowners insurance to protect your specific home and property against the specific exposures to risks you face in your neighborhood. For the right coverage at the right price, all with the right service to go with it, call us today!