Sentences with phrase «by standard homeowners policies»

Landslides and mudslides are not covered by standard homeowners policies.

Floater is additional insurance which can be added to your policy to cover personal property items whose full value is not covered by Standard Homeowners policies: antiques, jewelry, furs, guns, computers, valuable art work etc..

For instance, floods generally are not covered by standard homeowners policies.

If your five - year - old fur coat is no longer worth the $ 5,000 you paid for it, you'll want to reduce or cancel your floater (extra insurance for items whose full value is not covered by standard homeowners policies such as expensive jewelry, high - end computers and valuable art work) and pocket the difference.

Remember that flood insurance and earthquake damage are not covered by a standard homeowners policy.

Fire damage is covered by a standard homeowners policy, but you may need extra Ohio fire insurance for specific high value items.

Some damage is covered by a standard homeowners policy, but it is generally limited to collateral damage associated with the infestation.

Note also that flood damage is not covered by a standard homeowners policy — you have to purchase separate coverage.

Jewelry and Valuable Items: Valuable items, such as jewelry and fine art, are covered by a standard homeowners policy, but these items tend to cost more than the typical coverage limit.

The National Association of Insurance Commissioners (NAIC) found that 33 percent of U.S. heads of household still hold the false belief that flood damage is covered by a standard homeowners policy.

Case in point: More than 30 percent of U.S. heads of household who have homeowners insurance mistakenly believe flood damage is covered by a standard homeowners policy, according to a 2007 survey from the National Association of Insurance Commissioners.

But, flood damage and earthquake damage are NOT covered by a standard homeowners policy.

If the value of your personal property exceeds the limits of your homeowners insurance, or if you have valuable items that are insufficiently covered by a standard homeowners policy, you may need to expand your contents coverage with a scheduled personal property endorsement (aka a personal article floater).

Renters insurance is «contents - only» insurance, which means that it covers the same perils covered by a standard homeowners policy, except that it does not pay for repairs or replacement of any permanent structures.

Not exact matches

Perils such as regional flooding and earthquakes are often not covered by standard homeowners insurance policies.

Standard homeowner's policies in the United States don't cover radiation damage caused by an accident at a commercial nuclear reactor.

Or, if the driver didn't have an auto insurance policy, the damage may be covered by your standard homeowners insurance policy.

Purchasing fire insurance in addition to a standard homeowners insurance policy will help cover the costs associated with the replacement, repair or rebuilding of property above the limit set by the a property insurance policy.

Did you know, for example, that standard Santa Barbara insurance policies for homeowners do not cover damage caused by flooding or earthquakes?

Flooding is not covered by a standard homeowners insurance policy.

A standard homeowner's policy covers damages caused by wind to the structure of your home.

A standard homeowner's policy covers damages caused by hail for the structure of your home.

Equipment Breakdown: With a standard homeowners policy, equipment such as appliances would only be covered if they were damaged by a covered peril, like a fire.

For damages caused by a guest that are not covered by Airbnb's Host Protection Insurance policy, standard homeowners or renters insurance might those scenarios.

But notice that major damage sources like floods and earthquakes are not typically covered by a standard homeowners insurance policy.

Standard homeowners insurance policies don't cover damage caused by floods.

Unfortunately, most standard homeowners» insurance policies will not protect against all of the damages caused by a hurricane.

The home was insured under a standard «all risks» homeowner's policy issued by Farmers» Mutual («Farmers») and arranged by Muskoka Insurance Brokers Ltd. («Muskoka»).

In the usual situation of a homeowner with a mortgaged property, the homeowner, as required by standard mortgage terms, obtains and pays for a policy of insurance in his or her name.

The following weather - related events are usually not covered by standard homeowners» insurance policies:

Flood damage is not covered by a standard homeowners insurance policy.

Water damage caused by appliance malfunctions are typically covered under a standard homeowner's policy, provided there is some evidence of damage to the unit.

Damage from a flood is NOT covered under a standard homeowners policy By John D. Doak, Oklahoma Insurance Commissioner The top four disaster risks we face here in Oklahoma are tornadoes, hail, wildfires and floods.

Wind / hail and hurricanes are covered by standard homeowners insurance; flood and earthquake policies are purchased separately by homeowners.

Some homeowners may not be aware that not all their expensive items are automatically covered by a standard homeowners insurance policy.

The standard homeowner insurance policy does not pay for direct damages caused by «earth movement.»

The amount is established by the terms of your coverage and can be found on the declarations (or front) page of standard homeowners and auto insurance policies.

Standard homeowners insurance policies don't cover damage caused by floods.

If the mold is the result of a flood, your homeowners policy will likely not provide coverage since floods are not covered by standard homeowners insurance.

In most states, standard homeowners policies cover damage caused by wind, including hurricanes.

Termite infestation: The National Pest Management Association estimates termites cause $ 5 billion in damage in the U.S. each year — and it's not covered by standard homeowners insurance policies.

«The short answer to whether harm caused by the recreational use of a UAS is covered by a standard homeowners» insurance policy is, «probably yes,»» says Claims Journal, which covers the insurance industry.

Up your limits: The liability coverage provided by a standard homeowners, renters or condo policy is never enough.

Standard homeowners insurance policies cover damage to trees and shrubs due to disasters or an accident — like fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief.

Typically, floods caused by weather catastrophes aren't covered by standard homeowners insurance policies, which is why it's smart to consider purchasing separate flood insurance.

According to the Insurance Information Institute, there are certain hazards, or perils, that are covered by most standard homeowners insurance policies.

Thankfully, most of the standard threats of a blizzard are covered by the standard homeowners insurance policy.

Damage to the house and its contents caused by weight of snow or ice that creates a collapse is covered under standard homeowners insurance policies.

Did you know, for example, that standard Santa Barbara insurance policies for homeowners do not cover damage caused by flooding or earthquakes?

The term «replacement cost» is not defined under the definitions of standard commercial property and homeowners insurance policies.1 Words not defined within the policy are interpreted by their ordinary, plain and usual meaning.