Is damage from a tornado covered under my home insurance policy?

There are few things in the world that are as frightening as a tornado. It is the embodiment of Mother Nature at her most destructive–an unstoppable force that destroys everything in its path. In the aftermath of a tornado, it’s hard to imagine that life can ever return to normal again, but it will, and in most cases, your homeowners insurance can help with that.

Homeowners insurance is designed to deal with catastrophic events, and a tornado is a prime example of one. They are often not specifically named as a covered peril on a policy, but they fall under the greater category of "windstorms." This category includes tornadoes, hurricanes and straight-line winds. The bottom line is that damage directly caused by the tornado will probably be covered by your insurance up to the limit of your coverage amount, less your deductible, of course. In cases where an area is so badly hit by tornadoes that it is declared a disaster area, you might even qualify for government funds to help pay your deductible and any expenses not covered by your insurance.

One thing to be aware of, though, is that there can be damage related to a tornado that might not be covered by homeowners insurance. For instance, a tornado may cause damage to retaining walls or water facilities that results in a flood. Floods, unfortunately, are not covered by most normal insurance policies, although there are special flood policies you can purchase.

As a homeowner, it’s always a good idea to know the limits and exclusions of your insurance policy. Even though a tornado will most likely be covered, you’ll want to know how much your home and belongings are insured for, what your deductible is and whether or not your living expenses are covered if you need to stay in a hotel until your home is repaired or rebuilt. One of the best ways to clear up these details is to go over your policy with your insurance agent. Also keep in mind that there are other options out there, so if you’re not happy with your coverage, or even if you just want to see if you’re getting a fair price, you can use our website to find a local agent and get live comparative quotes–chances are, we can find you the insurance you need.

Do I need to modify my home insurance policy if the road or utilities around my house are improved by the city workers?

City construction on the road and utilities around your house can have an impact on the drive and comfort of your neighborhood, but the impact on your home may or may not require modifications to your homeowners insurance policy. Depending on the details of the situation and the impact on your personal property, it may be appropriate to talk to an independent agent for new insurance quotes.

Basic Work

Road construction may or may not have an impact on your policy based on the improvements and projects that are completed. When the work is designed to improve the roads due to damages from a storm, pot holes or other problems, it may not have an impact on the value of your house.

Basic work is a necessary part of maintaining the road, so it does not always cause the price of homes in the area to increase.

Community Improvement Projects

In the case of a community improvement projects, the utilities and amenities in the area may improve. As a result, it is possible that the value of your house may also increase when the construction is completed.

If a project within the community causes the value of your house to increase significantly, then it may be appropriate to modify your current plan. It is also important to modify the plan if the work can have an impact on your personal property, such as damages to the yard or possible accidents that take place in front of your house. Community improvement projects can have an impact on the property value, the local amenities and the property surrounding your house, so it may be appropriate to add to your current policy or make changes to keep up with the alterations in the community.

Road work and utility improvements within the local area may or may not have an impact on your homeowners insurance policy. If you are not sure about the impact on your home, then talk to an independent agent to find out your options or to address your concerns.

I have some prized botanicals in my garden that were destroyed by the winter weather. Is their replacement covered by my home insurance policy?

When a person’s home is damaged in a winter storm, his or her first thoughts are often of making a homeowners insurance claim. What if all the value isn’t in your home, though? What if you have a collection of prized botanicals on your property, maybe even rare and expensive ones, that get damaged in that same storm? The call to your insurance agent may go quite differently in that case.

Damage to plants outside your home is generally covered only for perils such as explosion, fire, lightning, theft, vandalism, malicious mischief, and damage from vehicles not owned by anyone living in the dwelling. It is not impossible that your prized garden could be ruined by a lightning strike during a winter storm, but it’s not terribly likely, either. If it does happen that your prized plants are ruined by a covered event, then the coverage is often limited to not more than 5 percent of the value of the dwelling coverage and no more than $500 per plant.

If you want special coverage for particularly rare or expensive plants in your garden, you can get special policies or riders that not only cover your plants in the event of wind, snow and hail, but also increase the maximum benefit amount for plant claims. The cost of the coverage would depend on a number of factors, including risk, location, and the value of the insured plants.

When you are looking for a homeowners insurance policy with a rider to cover expensive plants, you should start by comparing the basic policies. Working with independent agents, we offer the chance to compare quotes on our website and to find the best possible policies for you with the best possible prices. Once you’ve narrowed your policy needs to a few choices online, you can start to ask more specific questions about riders for landscaping or expensive plants, helping to select the exact policy that you need.

We have a tree in the backyard causing allergy problems for us, is its removal covered by our home insurance policy?

Allergies that are caused by a tree in your yard can be a problem that lasts for years if you do not remove the plant. The problem is that the removal of a tree can exceed your budget and the funds that you have available for the project. Depending on your homeowners insurance policy, it may be possible to make a claim so that you can remove the plant.

Tree Removal

When you work with an independent agency to compare quotes for your property online, you have the opportunity to select the coverage that you want. Insurers often offer a variety of different plans and solutions that can help ensure your home is safe, but the details of every insurance policy can vary.

Tree removal due to an allergy may or may not be covered in your current plan. Some insurers may offer funds to remove trees from your yard in certain situations, but the situations that are allowed under your policy may vary.

Evaluate Your Plan

Before you make a claim, evaluate your current plan to determine if you have coverage for the removal of a tree. If you do have coverage, then look for any exceptions or clauses that may limit the times when you can make a claim.

In general, insurers will allow you to remove the plant if it is causing danger to your home, property or the property of a neighbor. It may also be possible to remove the plant if it is causing severe allergies that are dangerous to your health or the health of other individuals in the house. There may be exceptions or limitations on the coverage that is available, so it is important to read your policy thoroughly before you make a claim.

Insurance for your home is designed to protect your property, but you may also have solutions if your health is being impacted by plants in the yard. Contact us to talk to an agent for more information about the coverage options that are available for your property.

Are Riot, Strike and Malicious damages covered under my Texas home insurance policy?

There are several natural disasters that could put your Texas home in danger: house fires or wind damage and flooding from hurricanes. You probably know whether or not your current homeowners insurance policy covers those things or not. But what about riots, strikes and malicious damage done to your home or property? That kind of coverage was probably not used as a selling point when you bought your current home insurance policy.

The answer is: yes, you can purchase coverage for such man-made disasters, and it may be a part of the policy which you currently own. Typically actions like riots, strikes and malicious damage fall under the broad form of insurance which also includes explosions, theft, falling objects, smoke and damage caused by vehicles and aircraft. A quick read-through of your current policy should tell you if you’re covered. If you’re not, it’s always good to err on the side of caution, so when you’re ready to buy a new home insurance policy, you should opt for one that covers these harmful acts.

If you’re looking for cheaper coverage, or just a new policy, it’s really simple to get insurance quotes online and compare them from the comfort of your home. Simply fill out the form on our website and submit it to get a list of companies who will insure your home. This first step takes just a few minutes! From there, read through the list of insurance providers and compare the prices and coverage options and make a decision. If you need help understanding the coverage and other jargon, give us a call; we’re always glad to help. While this latter part may take an hour or two, the amount of money you could save is well worth the effort you put forth.

When you’re ready to find cheaper insurance that covers a riot, strike or malicious damage, contact us today. We’re here to help answer any questions that you have and to help you find the right policy for your insurance needs.

Is home insurance mandatory for taking a mortgage loan, in Texas?

If you’re looking forward to owning a new home in Texas, then chances are you are aware of some of the requirements lenders may present prior to green-lighting any type of home loan. These requirements often include mandatory homeowners insurance. It’s something that some would see as an unnecessary expense, but it can be the one thing that stands between you and financial ruin in case something happens to your home.

Homeowners insurance is designed to protect both the homeowner and lender against financial loss from a variety of hazards that may have a negative impact on the home’s value. In most cases, a mortgage agreement will include a home insurance policy as a mandatory requirement to be met before your lender will fund a loan. The total coverage of the policy must be above the minimum amount needed to rebuild the home and the total amount of the mortgage. If the home is located in an area designated as a disaster zone or an area prone to floods, hurricanes or earthquakes, additional coverage that protects your home against these scenarios is also mandatory.

The reason for this is actually quite simple – as the house itself serves as collateral, the last thing the lender wants is to lose it to a fire, tornado or any other type of catastrophic event or action. With a home insurance policy in place, the lender will not be at a significant financial risk if the home is destroyed in a fire or washed away in a flood. The home can be rebuilt and the lender will retain its collateral.

As you look for a solid home insurance policy, it’s important to compare as many quotes as possible to find the most affordable policy available. Through our website, you can gather live comparative quotes online as well as collect additional information concerning your coverage options. If you’re looking to save money on your insurance policy, you may want to consider carrying a higher deductible in exchange for lower premium costs. For reference, some lenders limit the highest deductible to two percent of the home’s total value.

How Roofing Material Relates to Insurance

If you’re looking into getting a good price on your home insurance policy, you may want to take note of what kind of roofing material is used on your house. Some materials are better when it comes to getting a low cost policy, and some are not as good of a choice. If there’s a significant difference in price, you may want to consider replacing your roof with something that your insurance company prefers. You would need to consider that carefully, because it might not be worth the cost. You would have to factor in the savings on your policy and compare that with the cost o the new roofing and how long you planned on living in your home.

If you plan to build a house, check with several insurance companies to find out what the cost of insuring your new home will be before getting started. At that time, you can also talk to the companies about anything that could give you a discount, such as a specific type of roofing material.

The reason that insurers are concerned about the roofing material that you have on your house has to do with how well your roof will hold up to damage like wind, hail and fire. That’s especially true if you live in an area of the country where there are frequent natural disasters, such as tornadoes or hurricanes. The structure of your roof is very important to your insurance company, and the company may require one of its inspectors to come out and take a look to verify the type of roof you have. That can help you get a discount if you have specific materials on your roof and if you have certain structural elements, such as hurricane clips if you live in a hurricane-prone area.

Understanding What Is Covered on Your Home Insurance Policy

A home insurance policy for you may be significantly different from one that your neighbor down the road has. You may have coverage he or she doesn’t. You may have less than the neighbor has. This could be a problem if you are not sure what is and what is not included your policy.

Read Your Policy

The best way to know what coverage you have right now is to pick up your policy and to read it. It may not seem like it, but every detail about the coverage you have is included in the policy. If you do not have a paper copy, you can request it from your provider or you can sometimes view the policy online, depending on the provider you have.

What’s Excluded?

Often times, there will be specific exclusions listed on your home insurance policy. These exclusions will be specifically written into the policy. For example, many homes do not have flood insurance. There may be a notation in your policy saying that flood-related damage is not included in your policy.

One of the best ways for you to overcome this limitation is to simply have a rider or add-on policy. This will provide specific coverage for the concern you have. For example, if you live in an area where hurricanes are a problem, having a specific hurricane or weather-related rider can be helpful. It ensures that you have that specific type of coverage even if the main policy does not allow it. Keep in mind that this often costs more.

What’s the Best Policy for You?

Sometimes, it is hard to know what risks you face. You may not know what types of riders you should have or what exclusions you should worry about. That’s why you should work with an independent agency when choosing your insurance. The agent will work with you to determine what coverage is necessary and then help you to find comparative pricing from various insurance providers. You get the insurance you need, with ample protection, as well as the best price available for it.

Flood Insurance

Flood insuranceHome is a valuable asset which no one would like to give up on. However this asset of yours is so vulnerable for disasters and destruction due to calamities. A tree from neighbor hood can fall on your roof or fence, a heavy wind can blow off the roof, a theft can occur, someone can be bitten by your pet, all such incidents are unforeseen. You cannot prevent few things but all you can do is take necessary measures to face the consequences. In order to avoid any financial crisis, obtain a home insurance  policy . Many insurance companies provide you the best deals on your policy to cover all or most of the perils in a convenient package. You will need to do a smart work in selecting the best coverage and hence choosing the right home insurance policy from right company for an affordable price.

Most home insurance  policies do not cover damages due to flood. Floods can be caused by hurricanes, melting of snow, water backup drainage burst, heavy storms and many more. All these are unpredictable and when happens, it will wash away all your happiness and peace. Flood insurance covers any loss occurred to your property, from structural damage to debris clean up. Make an inventory of all your priced possessions and cover them by purchasing separate coverage something which your home insurance policy does not offer.

Necessity Flood insurance is not mandated by state or any insurance company but it is required by a mortgage lender. If your home is prone to flood, do not wait for a lender or an insurer insist you to buy. It is available through NFIP. It is always better to purchase both building and contents coverage for the broadest protection. Talk to your home insurance agent today to enquire about it and to obtain flood insurance, it is a necessity. Even though flood insurance is a federal program, insurance companies sell the policies.

Knowing Your Home’s Value

Knowing your Home's ValueHome is a valuable asset. However this asset of yours is so vulnerable for disasters and destruction due to calamities. A tree from neighbor hood can fall on your roof or fence, a heavy wind can blow off the roof, a theft can occur, some person can be bitten by your pet, all such incidents are unforeseen. You cannot prevent few things but all you can do is take necessary precautions to face the consequences. In order to avoid any financial crisis, obtain a home insurance policy in Vermont. Many insurance companies in Vermont provide you the best deals on your policy to cover all or most of the perils in a convenient package. You will need to do a smart work in selecting the best coverage and hence choosing the right policy from right company for an affordable price.

Business and Home Insurance

If at all you own a business at home, advice would be to cover your business assets with your home insurance. Many a times, insurance policies do not cover business assets and it will not be easy to differentiate between your business and home coverages. Law will ask you to own an insurance but will not define it to you on how to spend those dollars and yet secure your home and business. You are the best judge when deciding what to choose and what not to include in your policy. Get educated on how your insurance works and make the best use of time and money.

There are plenty of Vermont home insurance companies out there in the market, competing with each other to provide the best policy to you. Obtaining a home insurance policy is being made easy by just submitting a quote. Analyze, discuss with an agent and then proceed in order to obtain reliable and flexible rates to secure your home.