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What Is Property Damage Insurance?
Property damage insurance is essential for homeowners and business owners, who need to protect their property against damages caused by accidents, natural disasters, vandalism, or other covered events. This insurance typically applies to structures like homes, buildings, and personal belongings within the property.
Who Needs Property Damage Coverage?
What Does Property Damage Insurance Cover?
Fire and Smoke Damage: Keeps your place safe if fire by accident happens and smoke wrecks stuff.
Theft and Vandalism: Got you covered if someone breaks in or messes up your stuff on purpose.
Windstorm and Hail: If the wind goes wild or hail decides to dance on your roof, you're covered for the fix-ups.
Water Damage: Got your back for certain kinds of water mess-ups, like a busted pipe (but keep in mind, flooding's not included unless you get extra coverage).
Natural Disasters: If nature goes nuts with earthquakes, hurricanes, or floods, some policies might help, but you'll need to grab extra stuff for your plan.
Every policy comes with its own set of caps and things it doesn't include. You should go over your own policy to get what it protects and what it leaves out.
What's Not Included In Property Damage Insurance?
Types of Property Damage Coverage
Actual Cash Value (ACV)
- The insured gets money back for their property's worth at the loss time with ACV coverage. This type factors in wear and tear. ACV policies don't cost as much but might give you less cash back because they look at the depreciation on your possessions.
Replacement Cost Value (RCV)
- With RCV coverage, payouts are higher in order replace damaged property with new items, no matter how worn down it was. Premiums for these policies tend to be significantly higher.
Get Property Damage Insurance Quotes
If you want to get an exact cost for Property Damage Insurance, we encourage you to get quotes now from our experienced agents.
Our experienced agents are well-versed in property types and their inherent risks. After understanding your insurance needs, our agents can usually reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive.
We provide the finest comprehensive plans for your business by providing:
- Knowledgeable, licensed insurance agents
- Same-day coverage in most instances
- Coverage from A-rated insurance companies
- Ability to offer policies nationwide
- The lowest price for the best Insurance coverage in the industry
