What kinds of damage does a basic homeowner’s policy cover?

The majority of basic insurance policies protect against damage from:

  • Fire and lightning
  • Windstorm and hail
  • Explosion
  • Volcanic eruption
  • Smoke
  • Vandalism and malicious mischief
  • Theft
  • Damage by glass or glazing material that is part of a building
  • Riot and civil commotion

You have the option of ramping up your coverage options to include:

  • Falling objects
  • Weight of ice, snow and sleet
  • Electrical surge damage
  • Water-related damage from home utilities or appliances

Of course, keep in mind that protection is subject to policy limits and deductibles can vary.

Bruce Matthews

C. Bruce Matthews, CWM®, CTEP®
Founder Of Truoptions

With over 25 years of
experience in aiding North
Carolinians, Bruce Matthews
is the choice as a
knowledgeable partner
to help you understand
your insurance and
financial options.