What Is & Isn’t Covered by Homeowners Insurance in Sacramento

Homeowners insurance in Sacramento can help protect against many dangers, and your policy tells you everything you need to know.

If you want to know what dangers your homeowners insurance in Sacramento covers, all you have to do is read your unique policy. But perhaps you are looking into buying a home for the very first time and are just looking to get an idea of what a general homeowners insurance policy covers. Here is a list of what is and isn’t covered by homeowners insurance in Sacramento. (Note: Every disaster is covered by HO-1 through HO-8 policies unless otherwise stated.)

Disasters Covered by Homeowners Insurance

1. Fire or lightning
2. Explosion
3. Volcanic eruption
4. Smoke damage
5. Damage caused by vehicles
6. Damage caused by aircraft
7. Riot or civil commotion
8. Windstorm or hail
9. Theft
10. Vandalism or malicious mischief
11. Weight of sleet, ice, snow (HO-2 – HO-6)
12. Falling object (HO-2 – HO-6)
13. Freezing of a heating, air conditioning or automatic, fire-protective sprinkler system, or household appliance (HO-2 – HO-6)
14. Accidental discharge or overflow of steam or water from within a heating, air conditioning or automatic, fire-protective sprinkler system, or household appliance (HO-2 – HO-6)
15. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water pipe, air conditioning or automatic, fire-protective sprinkler system, or household appliance (HO-2 – HO-6)
16. Accidental or sudden damage from artificially generated electrical current (HO-2 – HO-6)
17. All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in your policy (HO-3)

Disasters Not Covered by Homeowners Insurance

1. Floods
2. Earthquakes
3. Sewer back-up
4. Maintenance damage

We hope this gave you a good idea of what to expect with your homeowners insurance policy. All you have to do is decide which policy best meets your needs. Email Purves & Associates at Quote@PurvesInsurance.com or call us at (530) 756-5561 and we will give you a homeowners insurance quote the very same day!