CNC Insurance Brokerage Services Blog

All You Ever Wanted to Know About Insurance

Covered Events In Home Insurance Frisco

If you want to get home insurance Frisco, you should know that there are several different types of accidents or events against which you might want to protect your home. These events are not all covered by the same policies. Each policy has a specific set of events which it will cover to differing extents. If you want to be covered against all events you will have your work cut out for you because many insurance policies do not offer coverage against certain events, such as earthquake.

The 11 Perils of Basic Home Insurance Frisco

• Fire or Lightning

Classified equally, these could include arson not perpetrated by the owners, accidental fires and lightning strikes. These demonstrate the difficulty that there is in classifying qualifying events. For instance, the fire could be caused by a vehicle accident. It is important to communicate facts to agents when they review damage so that they can properly classify any event covered by insurance.

• Windstorm or Hail

This includes damage done to the home by objects thrown by the wind. A good and common example is hail damage to the roof. It is not uncommon for a hail storm of moderate strength to require the replacement of an entire roof. This can happen even if the damage is not immediately noticeable to the owner's eyes. Owners should consult roofing specialists if they are afraid that damage has occurred.

• Vandalism

The events covered by this section of a home insurance Frisco policy would include graffiti and physical damage done to home and property. The insurance could pay for paint and repairs.

• Vehicle or Aircraft Damage

Owners and renters are protected by damages caused by crashes. The policy even covers extremely unlikely but terribly damaging events such as an aircraft crash.

• Theft

Owners can even cover their possessions under the most basic homeowners insurance policies. However, the insurance company may make owners enumerate the possessions and their estimated value. Otherwise, they may simply put a maximum value and payout for personal possessions that could be lost in a catastrophic fire.

• Riot

Civil unrest could cause a variety of types of damage to a residential structure, including things listed above but also damages caused to other parts of the property.

• Explosion

This would include explosions caused by faulty appliances as well as exterior explosions.

• Smoke

Often, even when a fire is small and the structure appears saved, smoke can cause significant damage to it. A special analyst will come from the insurance headquarters to examine fire and smoke damage after an event.

• Volcano

This is part of most basic insurance packages and could cover damages caused even by faraway volcanoes.

• Glass Breakage

Breakage could be due to vandalism or to storms.

• Personal Liability

This would cover damages that you might cause to others while on your property.

There are important exceptions. Anyone looking for home insurance Frisco will note that earthquakes are not covered on this list. It is possible to get such insurance but you will have to request it from the insurance company.