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Similarly, landslides are considered an “earth movement” and any damage they cause is excluded from both standard home and flood coverage. Disaster coverage Homeowners in flood-prone areas may ...
Liability coverage: Provides financial protection if you are found at fault for injuries or damage to someone’s belongings that occurs on your property. Additional living expenses coverage ...
These additional types of insurance do not always include coverage for your personal property so, as always, check with your agent to determine what you need before changing your home insurance.
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
Flood insurance is the specific insurance coverage issued against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands , floodplains and other areas that are susceptible to flooding.
Casualty insurance is mainly liability coverage of an individual or organization for negligent acts or omissions. [2] However, the term has also been used for property insurance, [citation needed] aviation insurance, boiler and machinery insurance, and glass [clarification needed] and crime insurance. [2]
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