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Old 04-05-2012, 07:12 AM
 
10,829 posts, read 14,889,843 times
Reputation: 5095

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I've never asked the agent directly if events A or B are covered.
They did say way back when, about the fire coverage.
They said a fire is a fire is a fire, no matter what caused the fire.
I can think of a few possible causes of fire: arson, lightning, person forgot to turn oven off, bad wiring.

Eye brow raising if arson and neglect is covered, but storms or natural disasters are not.

Last year we had a few pretty bad storms.
Anyone know if your policy covers storm damage from rain, wind, hail, and specifically tornados?
I know flood damage is not covered.

It seems to me tornado is a greater risk than arson. But, arson is covered and I am not sure about tornados and high winds.

I'm not wanting to, at this point, call the agency and ask. It might open the door for them to say, no you are not, and you can be, if you add more coverage. We are not exactly in tornado ally USA but high winds can cause damage. I had some damage to a few of my roof shingles but not enough for a claim due to the $1000 deductable.
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Old 04-05-2012, 10:05 AM
 
Location: Indian Land, SC
45 posts, read 94,058 times
Reputation: 66
Generally you're covered for everything except Floods and Earthquakes. You can add an umbrella policy though which will cover you above and beyond what your homeowners (and auto) policy covers.
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Old 04-06-2012, 04:02 PM
 
Location: Fort Mill, South Carolina
285 posts, read 918,357 times
Reputation: 136
I have Allstate and they replaced my roof last year due to hail damage and did dentless hail damage removal on my car. I was happy with it all.
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Old 04-06-2012, 05:56 PM
 
Location: Fort Mill, SC
845 posts, read 2,326,468 times
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We had AllState for the last 10 years. They also replaced our roof after the hail last year. We just dropped them because of auto. We started to shop around and found that they were 300 higher than our highest quote. Allstate is history!
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Old 04-06-2012, 06:00 PM
 
10,829 posts, read 14,889,843 times
Reputation: 5095
Quote:
Originally Posted by marndt View Post
We had AllState for the last 10 years. They also replaced our roof after the hail last year. We just dropped them because of auto. We started to shop around and found that they were 300 higher than our highest quote. Allstate is history!
300 higher on what?

my home owners is $406. (if that seems low, maybe I don't have insurance against wind damage. It is low, most likely, because of the value of the house)

2 vehicles is $658 per year.
--------------------------
2 cars and house = $1064.00.
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Old 04-06-2012, 07:01 PM
 
Location: Fort Mill, SC
845 posts, read 2,326,468 times
Reputation: 256
700 for the house. 950 for the cars. Nationwide was 400 less on the cars, pretty much the same on the home. Allstate was killing us!
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