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The two primary methods of insuring property are open perils and named perils. Open perils cover everything that can cause a loss not specifically excluded in the policy. Common exclusions might include damage resulting from earthquakes, floods, acts of terrorism or war, and more.
Named perils are causes of loss that must be specifically listed in the policy coverage. Common named perils might be fire, lightning, explosions, hurricanes, and more.
Tornado damage is typically covered as a wind event by most homeowner’s policies. Tornadoes are common occurrences and are not necessarily unique to any one area of the country unlike hurricanes and earthquakes.
Nevertheless, it is a good idea to check your policy each year to make sure you are covered well enough so that, if your home is affected by a tornado or catastrophic wind event, you can rebuild your home based on current construction costs.
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Homeowners insurance is a requirement by mortgage lenders but it is also vital to homeowners in a number of ways. Homeowners insurance protects all the structures on your property against damage and assures that you will have enough money to repair your home. If it is damaged and deemed unlivable, homeowners insurance will pay for you to rent a place or stay in a hotel while it is repaired or rebuilt.
Also, if any of your belongings are damaged or stolen, homeowners insurance will pay for their replacement. Finally, it covers claims lobbied against you for injuries that happen on your property.
Using InsuranceUSA.com can help you find the right homeowners policy with tornado insurance coverage. So, don’t delay any longer, simply enter your zip code and get started today!