Longview Real Estate News

What's covered under a typical homeowners policy:

• Your home and any detached structures on the property.

• Most furniture, appliances, electronics and tools.

• Liability and medical expenses for injuries and property damage for which you are responsible, up to your policy limits.

• Limited living expenses if you are forced to vacate your home because of a loss.

What may not be covered:

• The replacement cost of your home and personal property, vs. its actual cash value.

• Jewelry, collectibles, firearms and other expensive items in excess of certain limits, typically $1,000 to $2,500.

• Business equipment, including computers used for work, in excess of certain limits, typically $2,500.

• Sewer or drain backups.

• Liability coverage for pools, trampolines and other high-risk items.

• Mold.

What's not covered:

• Cracks or settling in the foundation.

• Neglect, wear and tear or intentional damage.

• Flood or earthquake damage. Coverage for either is available separately.

• Landslide or other earth movement.

• War or nuclear explosion.

• Pest damage.

• Pet damage

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10 discounts to ask for:

• Multi-policy (home, car or more with the same company).

• Smoke detectors.

• Fire extinguishers and sprinkler systems.

• Burglar and fire alarms that ring at an outside service.

• Deadbolt locks and fire-safe window grates.

• 55 years old and retired.

• Longtime policyholder.

• Upgrades to plumbing, heating and electrical systems.

• Earthquake retrofitting.

• Wind-resistant shutters.