Residing in a picturesque city like Doylestown, PA, offers access to stunning rivers and woodlands. As a homeowner, it’s essential to know if your home insurance policy provides sufficient protection against natural disasters, floods, and fires. At Bucksmont Insurance, we’ll collaborate with you to review and add specific policy clauses that suit your needs and location.

Does My Policy Cover Natural Disasters and Floods?

Traditional or standard homeowners’ policies generally include coverage for vandalism, theft, lightning strikes, hail, windstorms, fire, and smoke. In some cases, water damage resulting from burst pipes and accidental overflows may also be covered.

Are Fires Covered?

With a standard homeowners’ policy, fires are most likely covered. This can include the replacement of personal belongings, smoke damage, and even structural damage resulting from a fire. Some policies may also extend coverage to temporary housing (if your primary residence becomes uninhabitable).

Which Natural Disasters Are Covered?

Natural disasters, such as tornadoes, lightning, and snow or ice damage, are often covered by traditional homeowners’ policies. However, landslides, sewer backups, and even earthquakes are not frequently included. You may require add-on insurance if you believe your home is at risk of unexpected natural disasters not covered in standard policies.

Are Floods Covered?

No, most standard homeowners’ policies do not provide coverage for floods. You need private flood insurance or a policy through the National Flood Insurance Program (NFIP).

In Doylestown, PA, it’s crucial to have proper homeowners’ insurance, even if you’re not concerned about potential risks. The right policy can provide protection and tranquility year-round. If you’re located in Doylestown and want to review an existing policy or are in the market for a new one, contact Bucksmont Insurance so we can help you get started today.