For most of us, our home is the greatest financial investment we will ever make, and we certainly need to protect it against the many threats that can come from Mother Nature and other people.

Standard homeowners’ policies provide protection against a wide range of threats, but keep in mind that protection can vary from carrier to carrier and from policy to policy. It is important to check your policy for details, but most homeowners’ policies provide protection against these 10 threats*:

  1. Fire (including from a lightning strike)
  2. Windstorm
  3. Explosion
  4. Riot or civil commotion
  5. Damage caused by aircraft
  6. Damage caused by vehicles
  7. Smoke
  8. Vandalism or malicious mischief
  9. Theft
  10.  Volcanic eruption

*This list is for reference only. It is important to check your insurance policy for specific coverages.

Ask your agent to direct you to the appropriate insurer if you are looking for any other type of insurance for your home, for example:

  • Flood insurance
  • Earthquake insurance
  • Landslide / Mudslide insurance
  • Sewer back up insurance

Additionally, there may be special deductibles in your state that come into play for damage caused by hail, hurricane, tropical storm or tornado.

To protect your home and your investments, talk with Webb Insurance Options to determine what coverage’s are most appropriate for your situation.