Home Insurance

How does your home insurance policy provide coverage for your home structure?

Taking a home insurance policy is vital as it provides coverage in the event of loss or damage to your property. As part of this coverage, you will receive compensation for the amount of loss incurred on the actual home structure.

In the list below you can see general causes (which can damage your home structure), for which compensation is provided by insurance companies:

• Damages caused by lightning



• Damage due to a fire accident or explosions nearby your home



• Accidental damage caused by smoke



• Damages caused by hailstorm or snow storm



• Loss caused by theft and vandalism



• Damage caused by water seeping from the home’s plumbing



• Damage due to frozen plumbing

So if any of the above were to affect your home structure you will receive compensation for the same from the insurance company. However under the broad home structure coverage it may be possible for you to get coverage against the risk of a hurricane if you live in certain parts of the United States.

As can be seen from the above list risks such as earthquakes and floods are not covered. These risks are covered under a separate category and therefore do not come under the above-mentioned home structure coverage. If you live in an area prone to earthquakes and flood, you will have to consult your insurance company on this matter.



A vital thing for any person whose entire home structure is damaged is to reconstruct the home and this is something easier said then done. It can be emotionally and financially very difficult to deal with such a situation.

Home Insurance Center

• Why do you need Home Insurance?


• Tips for making claims on your insurance policy


• Tips for Insuring Your Home to Value


• Tips on how to save money on home insurance


• How does your home insurance policy provide coverage for your home structure?


• How does your policy pay out when you have to make a claim?


• Importance of annually checking-up on your home insurance coverage coverage


• Do you need temporary living expenses and how does you home insurance policy provides for this?


• In what way does a home insurance policy protect you?


• Understanding personal property coverage in home insurance


• What happens after you file a home insurance claim?


• A look at how insurance companies calculate premium rates


• Insurance for Historic Homes


• Knowing more about Mobile Home Insurance


• About Mobile Home Insurance


• What you should look for before taking a mobile home insurance policy?


• Tips on what to look for when buying Condominium Insurance


• Why do you need to take Condo Insurance?


• About Earthquake Insurance


• About Insurance from the CEA


• Know about the CEA


• The Mini Policy


• Points to consider before taking up an earthquake insurance policy


• Tips for first time homebuyers who are buying insurance


• Why do you need Earthquake Insurance?


• How does prior history feature in a home’s insurance premium?