Damage from many calamities are covered by a standard policy, but a handful are not and require separate coverage for protection.
Published 11:54 AM EDT Aug 30, 2019
Here’s what you need to know about your insurance covering your house or apartment. Cars are another matter, but we’ll get to that, too.Homeowners, condo and renter’s insurance cover damage sustained from most perils, including tornado, hurricanes, severe storms, rain, wind and fires.
Zollo Azea puts shutters over the windows of his home as he prepares for the arrival of Hurricane Dorian on Aug. 28, 2019, in Yabucoa, Puerto Rico.For earthquakes, you must buy a separate policy from a private insurer or, if you live in California, from the state’s California Earthquake Authority. In some states, insurers will cover sinkholes if you buy separate coverage.
Any theft or damage done to your home by looters or vandals after a disaster is also covered by your homeowners, condo or renter’s policy. Your insurer can only cover what it knows you lost. That’s why it’s important to keep accurate records for filing claims in the future.
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