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If a Tree Limb Falls and Damages My House, Does My Homeowner’s Insurance Cover It?
February 12, 2021
Most homeowners policies cover damage caused by falling tree limbs. However, there are some policies that do not include loss as a covered peril.
Here’s a quick list of the major types of Homeowners Policy forms and whether or not Falling Objects (including tree limbs) are a covered peril:
Call your agent or company representative and ask them the same question. They should be able to quickly answer. If they cannot provide you the information we would enjoy helping and you are welcome to call us at 607-324-7500.
HO-1 policy forms are not used very frequently so the odds are good that this type of loss is covered under your policy.
For a little more information on what is included in most Homeowners policies see this post: Jeff Ryan's answer to What types of risk does typical homeowner's insurance cover?
To have more of your Homeowner's Insurance questions answered please feel welcome to give us a call at 607-324-7500. We Love to Help!
Here’s a quick list of the major types of Homeowners Policy forms and whether or not Falling Objects (including tree limbs) are a covered peril:
-
HO-1 - Not covered - HO-2 - Covered
- HO-3 - Covered
- HO-4 (renters) - Covered
- HO-5 - Covered
- HO-6 (condo) - Covered
Call your agent or company representative and ask them the same question. They should be able to quickly answer. If they cannot provide you the information we would enjoy helping and you are welcome to call us at 607-324-7500.
HO-1 policy forms are not used very frequently so the odds are good that this type of loss is covered under your policy.
For a little more information on what is included in most Homeowners policies see this post: Jeff Ryan's answer to What types of risk does typical homeowner's insurance cover?
To have more of your Homeowner's Insurance questions answered please feel welcome to give us a call at 607-324-7500. We Love to Help!
This article may have been originally published at Quora.com.
To see Jeff's Quora.com profile click here.
“Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Typically, insurance companies will require that you insure the property to the settlement value you choose. If you select Actual Cash Value, the amount you may be required to insure the property for will be less than the corresponding Replacement Value.
In that spirit, the Ryan Agency is sponsoring a Stearns BBQ Dinner pickup at our office on 57 Broadway Mall in Hornell on September 12th from 3:00 PM to 4:30 PM.
Today, an individual’s credit history can play a more significant role than any one of those traditional factors. Good Credit Scores lead to a Positive Insurance score. A good Insurance Score greatly influences what someone will pay to insure their vehicles.
Insurance companies offer various discounts for which their policyholders may qualify.
Great Eight number Six (6) suggests taking a look at removing Comprehensive and Collision on Older Vehicles.
By reducing the number of claims in your insurance history, you can significantly affect your rates in the future.
Sometimes, this concept meets with resistance from policyholders. The thought of paying more in the event of a claim is off-putting to some. Even if that means I pay more for my insurance.
OK. Admittedly, this strategy doesn't benefit everyone, but it can be very beneficial for those it does. You may have unique home or auto insurance needs that prevent you from bundling with the same company. Alternatively… you might have a better rate without the bundle discount by splitting up your insurance between multiple carriers.
