Homeowners insurance is property insurance designed to cover a wide variety of different areas. However, there are specific areas that aren’t covered by homeowners’ insurance. For example, certain natural disasters as well as damage that your home sustains as a result of natural wear and tear over time, aren’t covered by your homeowners’ policy.
At Avail Insurance Solutions LLC, our team is committed to helping California, Oregon, Nevada, and Arizona residents understand coverage as well as the benefits of homeowners’ insurance.
What is homeowners insurance?
Homeowners insurance is property insurance with many bundled benefits designed to cover your home’s exterior and interior, foundation, other structures on your property, and assets. It’s also designed to provide liability protection for homeowners as well. However, the terms of coverage should be thoroughly understood because there are circumstances and some forms of damage that aren’t usually covered by a typical homeowners’ policy. An insurance agent can outline what’s covered by your homeowners’ policy as well as what the terms and conditions are.
Will my homeowners’ insurance pay for the repair of my flooded car?
No. Homeowners insurance doesn’t pay for damage to your home, car, or property that results from flooding. However, if flooding indirectly causes damage, your homeowners’ policy may cover some repairs if they are in compliance with your insurance terms and conditions. However, typically, your automobile insurance will cover the repair of your flood-damaged car. Of course, auto liability insurance will not cover your car’s repairs, you will need to have the appropriate form of auto insurance to receive flood coverage.
Schedule A Consultation Today
If you have questions regarding what’s covered by homeowners’ insurance, call us at Avail Insurance Solutions LLC. We serve the residents of California, Oregon, Nevada, and Arizona. We’d be happy to answer all of your questions and help you explore your options and benefits.