Types of Coverage for Nevada Home Insurance
Having the right homeowners coverage in place is key to recovering from the unexpected. Here are some common events a homeowners policy in Nevada covers:
- Falling objects
- Frozen interior plumbing
- Water damage from plumbing, heating or cooling system
- Weight of ice, snow or sleet
From unexpected natural disasters to theft or vandalism, having homeowners insurance gives you peace of mind. And finding the best coverage to protect your home starts with understanding your options. Take a look at some common coverages to get familiar with:
Coverage A: Dwelling
Pays to rebuild or repair your home.
Coverage B: Other Structures
Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences.
Coverage C: Personal Property
Covers your personal belongings, including furniture, clothing and appliances, if they are stolen, damaged or destroyed.
Coverage D: Loss of Use
Pays for additional living expenses if your home is uninhabitable due to a covered loss.
Coverage E: Personal Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Coverage F: Medical Expense
Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
Optional Coverages for Nevada
We also offer a variety of optional coverages you can purchase to better protect your home — often at an affordable price. For instance, if you live in Nevada you might want to consider adding coverage for the following.
Nevada Home Insurance for Flooding
Did you know that your standard homeowners policy doesn’t cover damage to the structure of your home or your personal property if damaged by flooding?
American Family offers flood insurance in Nevada from the National Flood Insurance Program. This coverage will protect your home and its foundation, your personal belongings and everything else that makes your house a home. Whether you live in a flood zone or not, it’s a good idea to have this coverage.
View Flooding Insurance >
Home Insurance for Earthquakes in Nevada
Nevada is no stranger to earthquakes. Though most occur in the Western half where tectonic rates are highest, major earthquakes can strike anywhere in Nevada. If you live in Nevada, you’ll definitely want to consider adding earthquake coverage, since damage from earthquakes isn’t covered by your standard homeowners policy.
View Earthquake Coverage >