TYPE OF LOSSES
FIRE
Fire damage to your property which also includes smoke and ash. Your property may also sustain toxic smoke by a simple protein burn from food.
EARTHQUAKE
If you have earthquake damage under your insurance plan any damage incurred as the result of an earthquake is covered. Your standard homeowner’s policy will not cover damages from earthquake and separate earthquake coverage can be purchased.
FLOOD
Rain can cause significant water damage to a property and the valuables inside the property. Rain water can find its way into the property via windows, roofs, and other small openings and cause significant damage. These damages might be covered in your policy.
PLUMBING
The sudden discharge of water from any area of a property’s plumbing system or appliance which includes but is not limited to the refrigerator, water heater, washing machine, connection hoses, simple pinholes or sewer back-up.
VANDALISM
Any damage that your property sustains that is the direct result of a vandal or a person with malicious intent. This includes but is not limited to, the breaking of windows, graffiti, and other types of property damage.
THEFT
Any property that is stolen that is covered by your insurance plan. Also, if during the theft process any additional property is damage that can also be covered. If your policy does not cover content, you may still be covered for damages to your real property.