What Disasters Does Your Homeowners Insurance in Hudson Cover?

Does your homeowners insurance in Hudson adequately protect your home?

Disasters threaten the nation on a daily basis. From storms to flooding to earthquakes, devastation is no stranger to the U.S., and we continue to see homeowners lose their entire belongings and property. After a disaster, all you want to do is return to normal life. Fortunately, homeowners insurance in Hudson helps to restore and repair your home and belongings, without draining your funds.
While most homeowners insurance policies will protect your home and belongings through disasters, every policy has its limits. A standard policy may cover:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Smoke damage
  • Vandalism
  • Theft
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Riot or civil commotion

While homeowners insurance works to protect your property from these incidents, others are excluded from coverage entirely. Flood insurance and earthquake insurance must be purchased separately in order to receive coverage. As these two disasters can destroy homes and belongings within minutes, it’s worth looking into acquiring coverage.
As you take the time to see what other coverage you need, review your current homeowners insurance policy. Ensure that your limits are high enough to cover your belongings and home’s structure, as these many have changed in the recent years. Also, double-check that your deductible is affordable to pay out of pocket. If a disaster should happen, you’ll need to pay this amount before the insurance kicks in.
Talk to the professionals at Lofgren Agency in Hudson, New York, to determine the right homeowners insurance to protect your home from disasters!

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