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Cats, rats and Brats - Homeowners Insurance Exclusions
According to surveys conducted by the National Association of Insurance Commissioners (NAIC), millions homeowners assume that their standard homeowners insurance that insures against various types of losses normally excluded from coverage. These exclusions are sometimes referred to as "cat, rat, and Brats", which reflects three exceptions to the standard coverage.
Cats. A 2007-2008 survey by the American Pet Products Manufacturers Association reveals that 71.1 million U.S. households 113 700 000 (63 percent) own of at least one pet. This represents a record for a pet in the United States. Many people assume that their homeowners insurance Home cover damage to windows, doors, furniture, carpets and caused by pets. They are wrong. A standard insurance policy does not include damage caused by cats, dogs, rabbits and other pets. The NAIC reports that 22 percent of respondents believe that your insurance covers damage or theft Pet. This is not correct.
Rats. Damage caused by wild animals is not covered by homeowners insurance, either. Nearly a third of owners surveyed by the NAIC (31 percent) mistakenly believe that the damage caused by plagues of rats, bats, mice, ants, termites and other pests is covered by property insurance. It is not. The pests are so common that insurance companies can not afford to take the risk of property losses that may result.
Golf clubs. Children and young adults lack the experience and sometimes respect for property, which have careful with the personal possession or even the home. If the result of an accident or malicious innocent acting-out, the damage caused by children not covered by href = "http://www.homeownerswiz.com/"> their home insurance.
Living in the apartments. According to the U.S. government, almost all parts of the United States is subject to flooding. Some areas are more susceptible to flooding than other areas, of course. The areas most at risk are known as Special Areas. Because floods cause widespread, private insurers are profitable can insure against the risk. To prevent flooding of the ending with the heritage of the millions of Americans living in flood zones, the U.S. Congress passed the National Flood Insurance, 1968, establishing the National Flood Insurance Program (NFIP). Funded by premiums and homeowners can borrow against the national treasury, the NFIP offers the only type of Flood insurance is available in the United States. Optional in some areas, flood insurance is mandatory for homeowners who live in areas Special danger. Although the flood insurance requirements are released when a person buys a house, the NAIC found that 33 percent of respondents course wrongly, that your homeowners insurance covers flood damage.
"As an act of war. The mainland of the United States has been damaged caused by events such as war only four times in its history. The first attacks occurred in the War of 1812 when British troops invaded points along the border with Canada and burned Washington, DC The second raid took place when forces under the command of Mexican General Pancho Villa attacked Columbus, New Mexico on March 9 1916, and burned the city. The third attack occurred on February 23, 1942, when a Japanese submarine fired on an oil refinery in Santa Barbara, California. By far the worst attack occurred when the terrorist network al-Qaeda flew passenger planes into the World Trade Center and Pentagon on September 11, 2001, killing to 2,998 and causing more than $ 30 billion in direct property damage. Damage caused by war and acts of terrorism are not covered by homeowners insurance housing.
cracks in the earthquake. Earthquakes have affected 39 of the 50 states since 1900. According to the Federal Emergency Management Agency (FEMA), earthquakes cause more than $ 4 billion in property damage per year. Because earthquakes cause widespread damage in seconds, insurance companies can not afford to cover earthquake damage with an insurance policy for homeowners in general. However, the survey reveals that 35 percent of NAIC owners believe that their homeowners insurance covers earthquake damage. To secure their homes, owners must purchase separate policies earthquake. After the 1994 Northridge earthquake caused $ 12.5 billion in losses, California insurers stopped offering earthquake insurance. To ensure that owners at least they could rebuild their homes after an earthquake, the California legislature passed a law requiring property insurers operating in the state offer "mini-policies" to cover the main living spaces, but not pools, patios, and other non-essential structures.
For most people, your home is your biggest expense and greatest asset. While most owners know that some things are excluded from homeowners insurance coverage, a surprisingly great people-about one-third of homeowners, do not realize that their coverage does not include some types of damage. Every homeowner should check your owner to verify insurance coverage contact your insurance agent to discuss what type of additional coverage may be necessary to protect your home.
About the Author
An award-winning author of books for young adults, Bradley Steffens is a frequent contributor to online and print publications, including Discovery Channel Magazine, Gig and Broker Agent Magazine. A copywriter with 25 years experience, he creates website content for Escondido preschool, health insurance, life insurance, and homeowner's insurance professionals. His most recent book, Ibn al-Haytham: First Scientist, is the world's first biography of the medieval Muslim scholar known in the West as Alhazen.
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