You return home from your friend’s annual Halloween party with your tired and cranky kids in tow only to find your yard strewn with toilet paper, your front door covered in smashed eggs, and bits of glass everywhere from your new, and now broken, landscape lighting. This coverage also applies to rain, snow, sleet, and/or sand. When you review this listed peril in your home insurance policy, you will find two separate coverages, one for your Dwelling, which protects your home, as well as covers the cost of repairs to your roof, siding and windows, and the other for your Personal Property, which helps you replace any contents of your home that were damaged directly by wind and hail. Most standard homeowners policies cover the damages that a wicked windstorm or an intense hailstorm can do to your home and property. But your heart sinks when you see several golf-ball-sized holes in your roof. When you finally pull into your driveway, you heave a sigh of relief that you are home safe and sound. Heavy rain turns into sleet, and then into hail. Fortunately, damage to your property and your personal belongings, especially those with an electric plug, caused by a lightning strike or destroyed due to a house fire that was initiated by lightning, are traditionally covered by most home insurance policies.Īfter a much-needed night out in Boston with your partner, you get in the car and head home down I-93 South. In fact, it is not uncommon for lightning to be the root cause of a house fire, the main culprit for destroying a home’s appliances, electronics and/or wiring, and the reason many homeowners are victims of electric shock. There is no denying that lightning is an amazing natural phenomenon, and while striking to look at from a safe distance, up close and personal, it has the ability to do some major damage, especially if it were to hit your home. Now, you’re sitting in complete darkness – no TV, no lamps, no nothing, except for the distinct sound of sizzling appliances. When BAM!, the dark sky turns bright and there’s a loud boom that feels like it shook your house off its foundation. But this year, your party was canceled because of a severe thunderstorm with intense lightning, now you’re stuck inside watching the Boston Pops, instead of enjoying locally-brewed IPAs, pulled pork, and yard games. July 4th is your absolute favorite holiday. In addition, if your home were to become uninhabitable during repairs or while being rebuilt, some policies will even help pay for additional living costs, such as hotel or temporary rental fees, restaurant bills and boarding costs for a family pet. Whether it’s a relatively minor kitchen mishap or a larger fire event in which you lose most of your belongings and home, most home insurance policies cover the costs associated with repairing and/or replacing your home as well as your damaged personal belongings. You forgot about the bacon! Now the frying pan is in flames, the room is all smoky and there’s soot and ash on the walls and cabinets. Suddenly, your smoke alarm blares and you nearly jump out of your skin. The kids’ bacon is frying on the stovetop, a load of laundry is going, and you’re taking a moment in your home office to check work emails. You’ve logged 1,000 steps on your Fitbit, and it’s only 6am. The Eight Common Perils Covered by Home Insurance To navigate through the eight most common perils covered by homeowners insurance, click on the corresponding links below. We also decided to include examples of potential events – some of which may sound all-too-familiar – to better illustrate how your home insurance policy will go to work for you. As your local insurance agent, the team at Morse is happy to provide some general information about the most commonly covered disasters. While no two insurance policies or carriers are exactly the same, and the specific losses covered by your policy may vary greatly from that of your neighbors, there are a handful of events that almost every homeowners policy provides protection for. Our team would also like to share important information on how this critical coverage will go to work for you in the event an unexpected catastrophe was to happen. But, of course, the team at Morse wants to do much more than just find you the right home insurance policy.
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