| For most American families, their home is their largest | | | | Your insurance company is not liable to pay, as acts |
| investment. And that investment needs to be | | | | of war are excluded in most insurance policies. It is |
| protected with insurance. You do not want to be | | | | interesting to note that most insurance companies |
| lacking protection by purchasing inadequate coverage, | | | | define a nuclear explosion from any cause as an act |
| nor do you want to waste money by purchasing | | | | of war. So if the local nuclear power generating plant |
| excessive amounts of insurance. | | | | blows up for any reason, even if not terrorist related |
| As the weather of the last two years has made | | | | according to the FBI, it will be considered an act of |
| painfully clear, disasters can occur. Hurricanes, | | | | war by your insurance company and they will not be |
| earthquakes, floods, and fires are all too prevalent in | | | | liable to pay for any damages to your property. |
| modern society. Not only are natural disasters a | | | | The property owner should also be aware that |
| significant threat, man made accidents can occur as | | | | typically floods and earthquakes are never covered in |
| well. Your home owner insurance policy should | | | | the standard insurance policy. Insurance for these |
| protect you from financial ruin should one of these | | | | two disasters can be purchase as a rider, but there |
| disasters strike. However, not all policies are created | | | | will be an additional cost. In some cases, this added |
| equal. One type of disaster that is covered by one | | | | cost is substantial. It is up to the buyer to determine |
| policy may not be covered by another. It is | | | | if the cost is worth the benefit. In most cases, it is. |
| important to know what is and is not included in your | | | | Now more than ever, a quality home owner |
| home owner insurance coverage. | | | | insurance policy is an absolute necessity. The financial |
| Just about every home insurance policy excludes | | | | risk of going without insurance protection is simply |
| several items. These are floods, earthquakes, and | | | | too much to bear. Should a disaster strike, either |
| war. Let's assume an invading army decides to drive | | | | natural or man-made, having it could mean the |
| a tank through your living room. While the U.S. Military | | | | difference between financial ruin or surviving it |
| will likely be involved in putting a stop to it, from a | | | | unscathed. If you have a home, you simply need |
| replacement point of view, you are on your own. | | | | home owner insurance. |