Homeowners insurance may cover water damage if the cause is sudden and accidental, such as a burst pipe. Damage caused by rain may be covered, depending on how the damage occurs. Standard homeowners insurance does not cover flood damage – additional coverage is typically required. What Types of...
When the source is outside the house, it's a bit more complicated: Water that comes into your home from the top down, like a drip caused by rain, may be covered. But if that same rain causes a flood that fills your basement with two feet of water, you'd needflood insuranceto get...
"All risks" refers to a type of insurance coverage that automatically covers any risk that the contract does not explicitly omit. For example, if an "all risk" homeowner's policy does not expressly exclude flood coverage, then the house will be covered in the event of flood damage. This t...
Whether your homeowners insurance policy covers mold damage largely depends on the cause of the mold. Here’s what you need to know.
Standard homeowners insurance policies usually cover damage due to fire, both house fires and wildfires, as well as smoke damage. Your policy should pay to replace or repair the house's physical structure, permanent fixtures, appliances and attached structures, as well as your personal belongings....
House firesare one of the most common causes of damage to homes, and almost every homeowners insurance policy protects structures and belongings against them. If a home is a total loss due to fire, most standard policies that cover fire also cover the cost of additional living expenses, such...
Even the broadest homeowners insurance policy won’t cover everything that could go wrong with your home. For example, you can’t intentionally damage your house and then expect your insurer to pay for it. Policies also typically exclude damage due to: Flooding from external sources like heavy...
Two things that homeowners insurance often does not cover are earthquakes and flood-related damage, but there are several other instances of damage that your home insurance will likely exclude. Here are a few examples: Failure to Perform Maintenance ...
A flood often ___ a lot of damage. A. causes B. makes C. does D. has 相关知识点: 试题来源: 解析 A。本题考查动词的用法。“cause”有“引起、导致”之意,洪水通常会引起很多破坏,符合语境。“make”通常表示“制作、使”;“do”表示“做”;“has”表示“有”,这三个选项在这个语境中...
Remember that flood risk can change, so update your policy as needed. Whether you opt for an NFIP policy or private flood insurance, it protects you against potential damage. Remember, homeowners’ insurance policies do not typically cover flooding damage, making it a vital separate purchase. ...