Some property owners are surprised to learn that they do not have a clear understanding of what is covered by their property insurance policy. It is widely known and understood that fire, flood, and theft are the most common types of losses, but it’s very likely that your insurance policy covers much more.

Consider the following types of losses that many insurance policies cover:

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• Fire & LightningRoof Leaks

• Melted Siding

• Toilet Overflows

• Artillery Spores

• Explosion

• Vehicles

• Vandalism

• Falling Object

• Riot & Civil Commotions

• Collapse

• Accidental Damages to carpets, kitchen cabinets, wallpaper, siding and many others

• Accidental Discharge or overflow of water or steam

• Windstorm & Hail

• Water Stains

• Cracked Tiles

• Sewer Back-ups

• Breakage of Glass

• Air Craft

• Smoke

• Theft

• Frozen pipes, HVAC

• Weight of Ice, Snow & Sleet

• Sudden or Accidental Damage from artificially generated electrical current

• And much, much more

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​Understanding your property insurance policy fully requires the assistance of a trained professional. BPA works diligently to ensure that clients are aware of the breadth of their coverage. Many times, property owners are surprised to discover they were not fully protected.

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