Homeowners insurance protects a home from accidental
and sudden losses. However, not all losses are covered.
Breakdowns in the home.
Most homeowners insurance does not cover basic
maintenance repairs. For example, if your water
heater cracks, your coverage most likely will not help
to replace the water heater. (But it might help pay for
the damage to your floors.)
Floods, earthquakes and water backup.
Typically, floods, earthquakes and water (sewer)
backups are excluded from most homeowners
insurance. If you want to purchase additional
insurance to cover these events, talk
to your Allstate
Agent or call 1-800-ALLSTATE.