![]() Water or sewer backup: You’ll have to pay out of pocket for repairs if raw sewage comes up through your drain pipes while the city is doing sewer work.Here are some of the losses a standard home insurance policy won’t cover: Some losses are too risky for insurers to cover if they want to stay in business and be able to pay homeowners’ claims. No homeowners policy covers every type of problem. What State Farm home insurance doesn’t cover Sudden and accidental tearing apart, cracking or burning.Accidental discharge or overflow of water or steam.Damage caused by vehicles (not your own).Damage caused by aircraft (not your own).The most common homeowners insurance policy, an HO-3, covers your house structure for any problem unless the problem is listed as an exclusion, such as floods and earthquakes.Īn HO-3 covers your personal property for 16 specific problems, or perils, which will be explicitly listed in your policy. ![]() Larger claims would fall under liability insurance, if you’re at fault for an injury. Medical payments coverage is available in small amounts, typically up to $5,000. This coverage pays for another person’s medical bills if they’re injured while visiting your home, regardless of who was at fault. The insurer will also pay to defend you if you’re sued. For example, if your dog gets loose at the park and attacks someone and it results in an injury. Liability insurance pays for other people’s property repairs, medical bills and lost wages - up to the limit in your policy - if someone is injured or their property is damaged and you’re found to be at fault. This could include expenses for hotel rooms, housing rental, pet boarding and restaurant meals. Loss of use coverageĪlso called additional living expenses (ALE) insurance, or Coverage D, loss of use coverage helps pay for costs beyond your normal living expenses if you have to live somewhere else while your home is being repaired or rebuilt because of a problem covered by your policy. With State Farm, you may be able to add additional coverage to your policy to ensure you’re paid out at today’s prices for your belongings. Most home insurance companies pay out for your belongings’ actual cash value, meaning depreciation is factored into your claims reimbursement. Your personal property coverage pays for damage to or theft of your personal belongings, like furniture, appliances, electronics, tools and books. This pays for damage to detached garages, sheds, fences and other detached, permanent structures on your property. This coverage helps pay for damage to the house itself, including the roof, interior and exterior walls, slab, flooring, water pipes and supply lines, and attached structures like an attached garage. Most standard homeowners insurance policies include coverage for the structure of your house, your personal belongings, liability protection and additional living expenses. Driving Score: Become a more aware driver with continuous follow-up regarding driving behavior.State Farm’s home insurance provides financial protection against loss caused by disasters, accidents and theft.Live map: Follow vehicle movement in real-time.Mileage tracking: Get automated trip logs.Fleet management: Manage drivers and vehicles in the field.Please contact to get started, or to activate your user on an existing account.įleet Management & Mileage Log (Automile Box) Note that the Automile mobile app doesn’t support signing up or demo mode, which means that you need to be a registered user to access the features. Keep an eye on your drivers, vehicles and assets wherever you are. ![]() Get real-time access to your car by simply plugging Automile Box to the vehicle’s OBD-II socket, or monitor any equipment by connecting an Automile Tracker. Automile offers robust tools for fleet management, vehicle & asset tracking and mileage logging.
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