Various factors play a role in a Homeowners Insurance policy

  1. Main House
    1. Roof
    2. Walls
    3. Pipes
    4. Cabinets
    5. Flooring
    6. Doors & Windows
    7. Structure’s other items such as platforms
    8. Plumbing items
    9. Electricity items
    10. Water items
    11. Value of above items
  2. Other Structures
    1. Detached Garages
    2. Sheds
    3. Guest houses
    4. Fence
    5. Value of above Items
  3. Internal House Items
    1. Appliances
    2. Furniture
    3. Electronics
    4. Clothing
    5. Personal Properties
    6. High-Value Personal Property such as Jewelry, art, or collectibles
    7. Luxury Amenities or Structures
    8. Value of above Items
  4. People & Pets
    1. Family members
    2. Guests
    3. Injured
    4. Injuries related medical treatments
    5. Additional Living Expenses (ALE) or Loss of Use
    6. Home-Based Business
    7. Intentional Damage
    8. Dogs & Cats or Other Pets
    9. Affected Parties
  5. Damage Triggers Category 1
    1. Flood Damage
    2. Earthquake
    3. Ground Movement such as landslides, mudslides, sinkholes
    4. General Wear and Tear
    5. Sewer Backup and Water Damage from External Sources
    6. Mold, Fungi, and Rot
    7. Termites, Pests, and Rodents
    8. Identity Theft
    9. Power Failure
    10. War and Nuclear Hazard
    11. Acts of Government or Ordinance
    12. Liability for Certain Dog Breeds
    13. Business-Related Claims
    14. Identity Theft
  6. Damage Triggers Category 2
    1. Fire
    2. Smoke
    3. Windstorms
    4. Hail
    5. Lightning
    6. Property Theft
    7. Vandalism
    8. Water Damage (Internal)
    9. Falling Objects
    10. Weight of Ice, Snow, or Sleet
    11. Liability protections
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Understand current or new Homeowners Insurance policy options, use the checklist to mark the coverage and consult an agent to get the right coverage. And, get the clarity on your Homeowners Insurance coverage and be ready with the allowed claims when it comes to such situations.
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Based on the location with various natural disasters and insurance company, the policy needs to be evaluated by working with an agent.

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What is involved in a homeowner’s insurance policy?
Various factors play a role in a Homeowners Insurance policy 1. Main House 1. Roof 2. Walls 3. Pipes 4. Cabinets 5. Flooring 6. Doors & Windows 7. Structure’s other items such as platforms 8. Plumbing items 9. Electricity items 10. Water items 11. Value of above items 2. Other
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What is involved in a homeowner's insurance policy?