What is covered under Standard Homeowners Insurance vs. FEMA Flood Insurance?
Posted by Anthony Licciardello on
Homeowners insurance policies come in all types of packages and have different coverages. Since there are different packages and policy types, we are going to show you what the standard homeowners insurance covers. (This is not a full list of coverage; check your own policy to see what is covered.)
Standard homeowners insurance should cover:
Fire, lightning, windstorm, hurricane, hail, weight of snow or ice, falling objects, and vehicle or aircraft damage to your home
Burglary, theft, vandalism, malicious mischief, and glass breakage
Explosion, riot commotion, and civil commotion
Water from or freezing of plumbing systems, electrical damage to appliances, electrical wiring, and water heaters or heating system breaks
Detached garages,…
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