What does unigard dwelling insurance cover? Imanual only says up to 250K w 500 deduct and some exclusions. no list os what is covered. Thanks!

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 8, 2014

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Insurance Question from Los Angeles, CA

Asked on 07/08/2014

What does unigard dwelling insurance cover? Imanual only says up to 250K w 500 deduct and some exclusions. no list os what is covered. Thanks! The house was built in 1934. 2 years ago added solar. roof has leaks and the house has some water damage. Racoons are living in the crawlspace. Doors are sticking ceilings cracking. Need to know what they cover and how to ask for them to pay it.

Answer given on July 30, 2014

If you have purchased dwelling insurance from any insurance company they must provide you with a complete copy of the policy including what perils are being insured.In the “standard” dwelling policy the coverages are called “all risk” or “open perils”. These terms generally mean that all damages are covered EXCEPT those listed in the exclusions portion of the policy. The exclusions include flood, earthquake, faulty construction, wet or dry rot, vermin, insects and war. There are other more specific exclusions but those are the main losses. Most insurance companies use the same form known as the DP-3 or HO-3. There are other terms used by some insurance companies, but they are basically the same policy and coverageThe insect exclusion is based on a maintenance issue, such as termites or rats are a type of vermin, but not the only ones. Flood is specifically described, because water damages are covered if they occur on your premises and cause damage to the home or contents. There is no coverage for damage to a lawn due to water damage. Ask your agent to explain the coverages of the policy if you need more information. Review the policy and develop questions to ask when you meet with the agent.

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