Do You Need All-perils Coverage?

Homeowners, when you shop at Avail Insurance Solutions LLC for home insurance for your residence in California, Oregon, Nevada, or Arizona, consider all perils insurance. The insurance industry offers eight forms of home insurance, five for owners of single-family homes. Each of these forms of homeowners insurance offers a different level of peril coverage.

What Is Perils Coverage?

Every home insurance policy offers various facets, including liability coverage and structural damage coverage. Each of the various forms of homeowners insurance offers its own perils coverage, which applies to structural damage and personal property damage when the policy covers it.

The term peril refers to a hazard, whether man-made or natural. Examples of perils include tornadoes, hurricanes, and earthquakes. The only common peril that no homeowners’ policy covers, flood, receives coverage under a flood policy. An HO-1 and HO-8 policy cover the fewest number of perils, ten. Other forms of homeowners insurance cover 15 perils, such as HO-3 insurance or all-perils coverage.

Why Choose All-perils Coverage?

As the name implies, all-perils coverage offers the most comprehensive coverage for your home. It typically covers any and all natural hazards, including meteors falling from the sky and wind damage. All-perils policies also cover man-made hazards, such as vandalism and riots.

Although most people take the attitude of “It can’t happen to me”, home damage eventually happens to every homeowner. By purchasing a policy with all-perils coverage, you obtain an insurance policy that covers any eventuality.

What Perils Coverage Means to You

We at Avail Insurance Solutions LLC want to clarify some of those commercials on television that make home insurance seem like it ensures that damage can’t occur. Instead, home policies ensure that you won’t need to pay out of pocket to repair your home in California, Oregon, Nevada, or Arizona when a peril that’s covered in your home policy. Contact us today to upgrade your home policy to cover your home fully.

What Does a Home Insurance Policy Not Cover?

There are numerous reasons why you would want to purchase home insurance. Perhaps you’ve recently purchased your first house, or you own an investment property. Perhaps you are concerned about your family and/or possessions’ safety. Whatever your motivation for purchasing a policy, it is critical that you realize what a conventional house insurance policy does not cover.

Avail Insurance Solutions LLC provides the following guide to help homeowners in and around California, Oregon, Nevada, and Arizona.

What Doesn’t a Homeowners Policy Cover?

1. Flooding

This is one of the most common risks in many parts of the country, but it is usually not covered by regular homeowner policy. If you reside in a high-risk location or have been informed by your mortgage lender that your home is in a flood zone, you must get flood insurance separately.

2. Artwork

If you’re an ardent collector of valuable art, your regular coverage is unlikely to cover the cost of replacing or restoring any damaged or missing pieces. For high-value things like this, you’ll need to acquire additional coverage.

3. Identity Theft 

Suppose someone takes your personal information and uses it to open credit cards in your name, for example. In that case, your house insurance coverage will not assist you in recovering the stolen funds. To cover this type of loss, you’ll need to obtain a second policy.

4. Earthquakes

Standard homeowner’s insurance coverage does not cover earthquake damage. If you live in an earthquake-prone area, you must purchase earthquake insurance separately.

5. War

Your regular homeowner’s policy will not cover the cost of repairs or replacement if your home is damaged or destroyed during a conflict. To protect yourself from this type of loss, you’ll need to obtain a second policy.

Contact Us Today

As you can see, ordinary homeowners’ policies do not cover a wide range of issues. It’s critical to be aware of these factors before purchasing insurance to ensure you obtain the coverage you require. Speak with an insurance representative at Avail Insurance Solutions LLC to learn more about the coverage options available to you. We are proudly serving homeowners in California, Oregon, Nevada, and Arizona and are ready to create a quote for you today!

What Is Not Covered By Standard Home Insurance

As a responsible homeowner, you know how important it is to have home insurance that protects your property and personal belongings. However, you should also know that standard home insurance does not cover everything, and there are some limits. 

What Is Not Covered By Home Insurance?

Here are the things that standard home insurance usually does not cover:

  • Floods and earthquakes. If you live in a flood- or earthquake-prone area and you want to protect your property, you will have to purchase separate policies for that because standard home insurance does not cover damage caused by earthquakes and floods. 
  • Regular wear and tear. The older your home is, the more repairs it needs. Unfortunately, home insurance will not cover things related to regular wear and tear, such as worn roofs, cracked window seals, and rotten boards. 
  • Expensive jewelry and other highly valuable belongings. Like any other type of insurance, home insurance has certain limits and does not cover things over a certain amount. It covers your personal belongings, but expensive stuff may require additional coverage. 
  • Insects or rodent damage. If rodents or insects, including termites, invade and damage your house, insurance will not cover repairs. 
  • Fallen or dead trees on your property. Standard home insurance does not cover removing fallen or dead trees in your backyard. There are some policies though that will pay for tree removal if they have fallen due to a storm or damaged your house. 

Avail Insurance Solutions LLC – A Trustworthy Insurance Agency Serving Clients in California, Oregon, Nevada, and Arizona

Are you a lucky homeowner from California, Oregon, Arizona, or Nevada, and are you shopping for home insurance to protect your precious investment? Avail Insurance Solutions LLC is here to help. We specialize in different types of insurance, including home insurance as well. If you have any questions or want to know more about the insurance options we offer, please visit our website or reach out to us via phone. 

Tips for making your home a safer place

Having a safe home gives homeowners peace of mind. You want your home to be safe inside and out. One of the things that provides safety is having the right home insurance. With Avail Insurance Solutions LLC  residents of California, Oregon, Nevada, and Arizona can all get the home insurance that is right for them from a member of our experienced team. 

Tips for making your home a safer place

Clear the walkways

Clear walkways are important both outside and inside your home. Outside your home, if your walkway is obstructed, you could cause someone to slip and fall. This leaves you open to being sued and having to pay for injuries. Inside your home, having clutter in your hallways or on your stairs is also a fall hazard for members of your family. 

Have working smoke detectors

Smoke detectors in your home are vital for your safety. The early warning they provide could save your life. Make sure that you change the batteries every six months to make sure, even if they are hard-wired, you will have the battery backup. 

Add a home security system

Home security has never been less expensive or easier to install than it is today. All the components can be installed in just an hour or so, and you don’t have to be a rocket scientist. You can choose a camera doorbell or spotlights and cameras. Many can be operated with your smartphone from anywhere. 

Use door and window locks

Door and window locks are the basics of home safety. Every home has them, and if you use them, it helps to keep people out of your home. Nothing is foolproof, but this is the least you should do. 

Contact Us Today

If you live in California, Oregon, Nevada, or  Arizona, you can count on Avail Insurance Solutions LLC for your home insurance needs. 

Things that home insurance won’t cover

Protecting your home with the right home insurance is essential to maintaining your financial security. Home policies do have limits and exclusions and it is important that you familiarize yourself with what they are. At Avail Insurance Solutions LLC, we service customers in California, Oregon, Arizona, and Nevada. As independent insurance agents, we are able to offer our customers more choices. 

Home Insurance  Exclusions


The average yearly amount of damage caused by flooding is more than $800 million. Sadly, home insurance doesn’t cover any of it. But all is not lost. The National Flood Insurance Program offers two flood insurance types; property and content. If you live in an area in danger of flooding, you can get one of these policies. If your flooding is the result of burst pipes in your home, this is covered by home insurance. 

Earth movement

Earth movement includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, chances are your home insurance won’t cover any resulting damage. As with flood insurance, you can add separate coverage to protect you from the damage caused by earth movement. 

Owner neglect

As a homeowner, you have a responsibility to maintain your home. Maintenance means making sure that if termites are a potential danger where you live, and that includes much of the US, you need to get your home treated and get a termite bond. Your home insurance won’t cover the damage. You also need to replace your roof when it gets old and if it wears out and leaks, the damage won’t be covered. 

Sewer backup

Is anything more disgusting than a sewer backup? Not much and even worse than that, it won’t be covered by your home insurance policy unless you have a special rider to cover it. 

Get Home Insurance Today

Help us find you the right policy for the coverage home insurance does provide. Contact Avail Insurance Solutions LLC for your home insurance needs in California, Oregon, Arizona, and Nevada.

Getting Home Insurance For Your Household

If you are a first-time homebuyer, it’s likely that your mortgage lender will offer you a mortgage rate that is lower than your house payment. In this scenario, you probably won’t be able to afford home insurance. If you’re close to retirement, you might be able to get a home insurance policy for less than your monthly retirement income. For inquiries in California, get in touch with Avail Insurance Solutions LLC.

What To Know About Home Insurance

For low-income households, the government offers help with the cost of homeowners insurance through the Low-Income Homeowner Program. If you’re unable to purchase insurance through the marketplace due to a medical condition or other situation, you can still receive help. Contact your state’s insurance department to learn about providers that offer discounted coverage for low-income households. 

Contact your local or state health department or housing authority for help. There are also options like buying renter’s insurance or earthquake coverage to protect your home. There are also things you can do like reducing your risk by keeping your home clean, fixing any issues that could lead to a claim, and keeping a low profile. If you are looking for cheap home insurance, start by checking if you qualify for a low-cost or no-cost option. There are options like the Health Insurance Marketplace or the state health insurance for those with a low income. 

Not being able to afford home insurance can happen for a number of reasons, including being under the age of 18, being in debt, or having a low income. If you find yourself in this situation, we recommend reaching out to a credit counselor to get help with paying off your debt. Another option is to consider receiving homeowner’s disability insurance to protect your home in case of an unforeseen event. This type of coverage can help cover the cost of repairs if you can’t work due to an injury or illness. 

Contact Us Today

If you can’t afford to buy homeowner’s insurance, there are other ways you can protect your home and belongings. Avail Insurance Solutions LLC in California is here to assist with any insurance queries.

Basic Home Insurance Facts To Consider

Avail Insurance Solutions LLC provides coverage to California residents. We strive to help our clients find policies that align with their individual needs. We assess each of our client’s personal situations. This allows us to locate custom policies that will help meet their needs over a long period of time. We work closely with multiple carriers throughout the Pacific Northwest.

Basic Home Insurance Facts To Consider

Your California residence is one of your most prized possessions. Home insurance helps cover your asset against potential disasters. The policy covers the interior and exterior of your home against possible damage due to a fire or natural disaster. All of your possessions inside the home are also covered if they are stolen or damaged. However, you may need to amend your policy in order to maintain full coverage if you have a lot of luxury items such as paintings and furs in your home. It’s recommended that you take inventory of your personal items.  Liability coverage protects you if a guest is visiting your property and suffers an injury. This also covers any accidental damage caused to your neighbor’s property by you or your pet.

Look over your policy carefully. While your home is covered against potential water damage, that does not include any damage to your home caused by a flood. You can add flood insurance as another layer of protection. Alternative living coverage can assist you in emergency situations as well. If your home suffers extensive damage, alternative living coverage helps you find a temporary place to stay until your home is repaired. This helps alleviate a lot of stress during a troubling time.

Avail Insurance Solutions LLC Will Help You Protect Your Investment

Give us a call to learn more information on home insurance.