What is Covered and Isn't Covered by Your Homeowners Insurance in Pasadena, CA?

13 July 2016 Category: Article Archives, Health Insurance

What is (and Isn’t) Covered by Your Homeowners Insurance?

When it comes to something as important as homeowners insurance in Pasadena, CA, you need to know exactly what is covered and what is not covered so that you are not caught off guard.

You’re driving back home from a long day at work. There was a pretty nasty storm that you were able to see through the window while you worked, and the only thought that entered your home was, I hope I closed my windows. As you approach your house, you find some good news and some bad news. The good news? Your windows were closed! The bad news? The storm uprooted a tree and it crashed through your roof and landed right on top your living room. You scramble and stress wondering if this is something that’s covered in your homeowners insurance policy. If you were to review your policy every once in a while, you wouldn’t have this unnecessary stress (besides that comes with having a tree smashed through your house). Here is what general homeowners insurance in Pasadena, CA covers and doesn’t cover.

What It Covers

  • Aircraft (and things falling from said aircraft)
  • Civil commotion
  • Explosion
  • Fire
  • Hail (not available everywhere)
  • Lightning
  • Malicious mischief
  • Riots
  • Smoke
  • Theft
  • Vandalism
  • Vehicles (and things thrown from a vehicle)
  • Volcanic eruption
  • Windstorm

There are limits to these coverages, so if you or your agent think that you are not covered with enough insurance, it may be a good idea to increase that coverage.

What It Does Not Cover

  • Bad things that happen due to negligence (e.g. mold, leaking damage)
  • Earthquakes
  • Floods
  • Hurricanes
  • Landslides
  • Mudslides
  • Nuclear accidents
  • Pollution
  • Sewer backups
  • Sinkholes
  • Sump pump failure
  • War

For these perils that are not covered, there is almost always insurance that can supplement for them. Insurance policies that cover earthquakes and floods are sometimes mandated, depending on the region in which you live. Sometimes, however, the threat of the event is too great, and there is no insurance available because insurance companies deem it too risky, and it would be a guaranteed loss of money.

Every policy is different, so it’s important that you know what is covered by your specific policy, and never pays off to assume that your policy is covered by things that are listed here. To know you got the right homeowners insurance coverage contact the insurance professionals at Massive Insurance or get an instant quote now!