Home Insurance – Comprehensive

Comprehensive Home Insurance

Buying a home is usually the largest purchase most of us will ever make. So it makes sense to want to protect it thoroughly with comprehensive home insurance, which as the name suggests gives you the most complete coverage.

What Does Comprehensive Home Insurance Cover?

Like all home insurance policies, comprehensive coverage reimburses you for losses caused by fire, theft, vandalism or other accidental damage such as water damage due to a toilet or appliance malfunction. With comprehensive home insurance, the building itself, other structures on your property and your personal belongings are protected from all risks, other than the two exceptions explained below. The legal liability portion of your home insurance policy protects you from lawsuits, which covers you in case you unintentionally cause someone harm or a visitor slips and falls on your property.

What is Not Covered by Comprehensive Home Insurance?

There are two areas of risk not usually covered by any type of home insurance policy, which are:

1. Uninsurable Risks: if damage to your home is due to plumbing pipes freezing in winter, this is not covered or insurable since it is considered to be preventable with proper home maintenance. Other examples of uninsurable risks or perils are:
   • Animal or insect damage
   • Pollution
   • Water damage caused by sewer back-up
   • Flood damage caused by overland flooding
2. Additional Coverage Options: since many of us do not live in earthquake prone regions, damage due to earthquakes is an optional coverage. More frequently chosen options include protection against sewer back-ups or other causes of flooding.
   Full Protection from Comprehensive Home Insurance

Learn more about the home insurance exclusions.

Our insurance experts would be happy to make sure you feel protected in your home. Simply contact us at Mitchell and Whale Insurance Brokers at 1-800-731-2228 or email us at info@mitchellwhale.com. We’ll do the research and get quotes for your consideration.