Murfreesboro Home Insurance

Murfreesboro Home Insurance

AmeriAgency Is Your Hometown Choice For Murfreesboro Home Insurance

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This year has been a busy one for natural disasters. Around the United States, bad weather and bad luck have caused billions of dollars in damage. As a homeowner, you probably hear about these events and wonder: would my homeowners insurance cover me for that?

Let’s look at some recent disasters and break down what your home insurance would likely cover.

Hurricanes: Wind Is Covered, Floods Are Not

Hurricanes Florence and Michael battered the eastern United States in late summer, and Hurricane Willa made landfall in October, bringing heavy rain to parts of Texas and Mexico. This makes two consecutive years of seriously damaging hurricanes, and climate scientists agree that this is our new normal.

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So how can you expect your homeowners insurance to behave if you’re caught in the path of a hurricane?

Just as important as having the right policies, though, is making sure your property is ready to withstand extreme weather. Check out our tips on prepping your home for hurricanes.

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Gas Explosions: Fires Are Typically Covered

In September, several homes in Massachusetts caught fire (and a few residents died) when their gas lines exploded because pressure in the pipelines was 12 times higher than it was supposed to be.

Obviously, home insurance can’t do anything to fix the tragedy of lost life. But it can respond to other parts of this incident:

In this situation, the gas company is apparently paying for some of these costs (including, in some cases, temporary housing). Regardless of the details of the incident, though, an insurance provider may attempt to recover some expenses from a responsible party (like the gas company), if there is one.

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Wildfires and Mudslides: It Really Depends

As of October, wildfires had burned more than eight million acres of land in the United States in 2018, and that number is even higher now due to the latest wildfires in California. While homeowners insurance usually covers damage from fires, some homeowners in wildfire-heavy areas may not have this coverage (or may pay a high premium for it). Check your policy when in doubt.

Also worth noting: Mudslides common in some parts of the country are usually not covered. As with volcanoes, homeowners at risk for “earth movement” may want to seek alternate coverage or invest in infrastructure that could help prevent damage.

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