Homeowners policies are extensive, but they don’t provide unending coverage against anything that could happen to your home. Instead, home insurance operates on a set of listed perils that cover common issues that befall homes. In some areas, you can purchase additional insurance protection for perils that aren’t included in this list, which most often includes flood insurance for Harrison, NJ.
To get an idea of what you can file claims about with a basic home insurance policy, here are a few of the listed perils. Fire and fires caused by lightning is one of the most common protections offered by homeowners insurance. There is some complexity with fire related claims, as some claims may be denied if an investigation reveals that the fire was intentionally set by one of the occupants of the home. If lightning strikes your home and causes damage, particularly damage to the electrical systems of the house, this is also covered.
The next common natural disaster that gets covered is wind and hail damage. You might not think that these could cause all that much of an issue, but if the wind speeds are high enough and the hail is large enough, your house and property can take a beating.
For accidents that aren’t caused by nature, one of the most common situations you may end up dealing with are vehicles that have hit your home or garage. This particular listed peril also covers aircraft impact, although that’s thankfully not a common situation.
Have questions about listed perils available on homeowners insurance in Harrison NJ? Talk to our independent agents to find out all of the options your home qualifies for.