Customer Help & Support

Insurance helps homeowners with the costs from unpredictable, sudden, accidental events. That's why some perils (causes of damage) are considered insurable, and others are not.

Here are some examples:

• Flood is not insurable
• Damage from freezing outside the home, from waves, melting or moving snow and ice, heavy frost, as well as snowslide and landslide is uninsurable;
• Damage from insects, rodents (and sometimes raccoons) is not insurable
• Direct damage from intentional application of heat is not insurable (e.g. shrinking of clothes in a clothes dryer), but if the dryer sets the clothing on fire, and the fire damages the room and its contents, that damage is covered