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Home Insurance and Natural Disasters - Major Disasters Covered in the Home Insurance Policies

By Floressewrt Subscribe to RSS | February 21st 2012 | Views:
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Home insurance is one the most important things that every homeowner must possess. The home insurance policy protects your property from all kinds of uncertain events. Almost all the residential cover plans cover your main residential property, assets, living expenses, medical bills, liabilities and any other additional structures. Amongst all these coverage options, maximum amount of claims are paid in the events of natural disasters. Almost all the natural disasters are covered under the terms and policies of the home cover plans, but you should not become carefree in this regard. Not all kinds home cover policies provide protection against all natural disasters.

Further in this article, I have highlighted some of the main natural disasters which should be covered in your home insurance policies. You should take some time out and have a look at the below mentioned carefully. This will help you in knowing more about the natural disasters which should be included in the home insurance policies.

1. Earthquakes

This is the main disaster which is included in almost every home insurance cover policy. Earthquake is the violent and unexpected shaking of land, due to the shifting of earth's crust. These events are capable of causing some serious damage to your dwelling mainly because of the ground event.

2. Sinkholes

It is an uncertain event in which a hole is developed underneath your dwelling because of a natural depression. This can cause considerable cracking and damage to the entire structure of your residential property.

3. Floods

This is a natural disaster which can cause severe damage due to the uncertain and sudden rise in the level of natural water resources. So, if you are residing on a riverside or Oceanside area, or your location is categorized as flood prone, then you should definitely include the flood coverage in your insurance policy.

4. Hailstorm

If you have ever experienced or survived some major hailstorm, then you must be well aware about the damaging abilities of these storms. These storms mainly damage the roof of your property. Therefore, you should make sure that your home insurance plan covers the damage caused by these storms.

5. Lightning

Lighting strike is one of the most uncertain natural disasters in comparison to all the other catastrophes. As on one hand, the occurrence of hurricanes, floods and earthquakes can be predicted, on the other hand, predicting the place of lightning strike can never be predicted. In addition to acquiring the best home cover policy, equipping your residence with an appropriate pair of lightening arrestors can surely work wonders in protecting your property from uncertain lightening strike.

6. Hurricanes

Hurricanes are also considered to be one of major havoc causing disasters. They are capable of causing severe damage to your dwelling in comparison to other types of storms. These disasters are a powerful mixture of severe winds, heavy rainfall and floods. Therefore, you should make sure that you home cover policy includes coverage from these kinds of disasters.

So, these are some of the main disasters that should be included in your home insurance policy.

Floressewrt - About Author:
home insurance is an outstanding website if you are looking to secure your home with a suitable and economical home insurance policy. home insurance is meant to guide all of you when it comes to saving your hard earned money.

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