QUESTION 1 OF 8

Which type of damage is not included in standard home insurance?

✓ Correct!

Damage caused by accidental fire or smoke would be covered under a standard HO3 homeowners insurance policy. Protection from earthquakes and tremors would call for a supplemental endorsement that can be added to the policy.

Incorrect!

Correct answer: Earthquake. Damage caused by accidental fire or smoke would be covered under a standard HO3 homeowners insurance policy. Protection from earthquakes and tremors would call for a supplemental endorsement that can be added to the policy.

QUESTION 2 OF 8

You need a special home insurance policy to cover wind damage from a hurricane or tornado.

✓ Correct!

Wind damage is covered by a standard HO3 homeowners insurance policy. In some areas, there is a special deductible for windstorm or hurricane coverage.

Incorrect!

Correct answer: False. Wind damage is covered by a standard HO3 homeowners insurance policy. In some areas, there is a special deductible for windstorm or hurricane coverage.

QUESTION 3 OF 8

If you live in a flood zone, you may have to purchase flood insurance as a separate policy from your standard one.

✓ Correct!

Flood damage can happen anywhere, even outside of designated flood zones. Flood insurance (most often available through the federally backed National Flood Insurance Program) can give you extra peace of mind should the unexpected occur. Protecting your home from floods should not be a last-minute decision. Most flood insurance policies have a 30-day waiting period1, so a policy that you buy when a storm is heading your way will not cover you for that event.

Incorrect!

Correct answer: True. Flood damage can happen anywhere, even outside of designated flood zones. Flood insurance (most often available through the federally backed National Flood Insurance Program) can give you extra peace of mind should the unexpected occur. Protecting your home from floods should not be a last-minute decision. Most flood insurance policies have a 30-day waiting period1, so a policy that you buy when a storm is heading your way will not cover you for that event.

QUESTION 4 OF 8

After a blizzard, damage to your home from the weight of ice and snow is covered by your standard home insurance policy.

✓ Correct!

Tip: Although damage from the weight of ice and snow is covered by a standard HO3 homeowners insurance policy, snow and ice removal can prevent this type of loss. However, it’s a potentially dangerous thing to do on your own, so consider hiring an insured professional.

Incorrect!

Correct answer: True. Tip: Although damage from the weight of ice and snow is covered by a standard HO3 homeowners insurance policy, snow and ice removal can prevent this type of loss. However, it’s a potentially dangerous thing to do on your own, so consider hiring an insured professional.

QUESTION 5 OF 8

A standard home policy will cover you if hail damages your roof.

✓ Correct!

In some areas, a special deductible applies to a standard HO3 homeowners insurance policy for wind and hail coverage. Most often, the deductible is a percentage of your dwelling coverage limit.

Incorrect!

Correct answer: True. In some areas, a special deductible applies to a standard HO3 homeowners insurance policy for wind and hail coverage. Most often, the deductible is a percentage of your dwelling coverage limit.

QUESTION 6 OF 8

If a deer gets into your home and damages your property while trying to get out, your standard home insurance policy covers the damage.

✓ Correct!

A standard HO3 homeowners insurance policy covers damage from wild (not domesticated) animals such as deer. Vermin, such as rodents and insects, are not considered wild animals and are excluded.

Incorrect!

Correct answer: True. A standard HO3 homeowners insurance policy covers damage from wild (not domesticated) animals such as deer. Vermin, such as rodents and insects, are not considered wild animals and are excluded.

QUESTION 7 OF 8

Standard home insurance covers damage from wildfires.

✓ Correct!

Damage from wildfires is covered on a standard HO3 homeowners insurance policy. You can help to minimize or prevent fire damage by clearing debris from gutters, trimming trees on your property and keeping flammable equipment and other combustibles at least 30 feet from your home.1

Incorrect!

Correct answer: True. Damage from wildfires is covered on a standard HO3 homeowners insurance policy. You can help to minimize or prevent fire damage by clearing debris from gutters, trimming trees on your property and keeping flammable equipment and other combustibles at least 30 feet from your home.1

QUESTION 8 OF 8

Trouble in paradise? Policyholders in areas prone to volcanic eruptions are protected from volcanic eruptions.

✓ Correct!

Damage from volcanic eruption is a covered loss under a standard HO3 homeowners insurance policy anywhere in the United States.

Incorrect!

Correct answer: True. Damage from volcanic eruption is a covered loss under a standard HO3 homeowners insurance policy anywhere in the United States.

Results: error/error

Thanks for testing your knowledge of when the unexpected happens! You got error/error questions right.

If you want even more tips to prevent potential losses, start by checking out the Amica Storm Center.

Information presented herein is based on a standard HO3 homeowners insurance policy. Coverage can vary by state. Other exclusions and conditions within a policy also may apply.

1

Waiting Period for Activating Flood Policy, FEMA.gov, 2014.

1

Storm Center – Wildfire, Amica, 2018.