What is not protected by most homeowners insurance?
What is not protected by most homeowners insurance?
Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won’t be covered.
What is the most important part of homeowners insurance?
The most important part of homeowners insurance is the level of coverage. Avoid paying for more than you need. Here are the most common levels of coverage: HO-2 – Broad policy that protects against 16 perils that are named in the policy. Feb 14, 2014
What is the best kind of home insurance?
Comparing the best home insurance companies Home insurance company Best for Bankrate Score USAA Overall 4.8 State Farm Overall 4.7 Erie Robust coverage 4.6 NJM Unique discounts 4.6 4 more rows • 4 days ago
