Haris Ashley
PEMCO Mutual Insurance offers customizable and affordable insurance policies that cover a wide range of risks. Its homeowner insurance policies cover damage caused by fires, windstorms, burst pipes, theft, and more. However, it's important to note that PEMCO's standard policies do not cover certain events, such as flooding, earthquakes, landslides, and sewer line breaks. For these perils, PEMCO can assist customers in obtaining specialized coverage through other providers.
| Characteristics | Values |
|---|---|
| Wind damage covered | Yes, windstorms are considered "acts of nature" |
| Tree falling on property | Yes, covered by homeowner's policy |
| Tree falling on neighbour's property | Yes, but neighbour may be held liable if tree was unsafe |
| Flood damage | No, but can be purchased through National Flood Insurance Program |
| Earthquake damage | No, but can be purchased through PEMCO Agency |
| Burst pipes | Yes |
| Theft | Yes |
| Fire | Yes |
| Debris removal | Yes, up to $2,000 |
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What You'll Learn
Wind damage is covered by Pemco homeowners insurance
PEMCO homeowners insurance provides coverage for wind damage. Windstorms are considered "acts of nature", and so damage caused by them is covered by PEMCO. For example, if a tree crashes onto your roof, fence, or deck during a windstorm, your PEMCO homeowners' policy can help you repair the damage.
PEMCO's customizable and affordable insurance policies cover a wide range of risks, including damage caused by theft, burst pipes, and fires. PEMCO also provides replacement cost coverage, which reimburses you for the amount it would cost to buy a new version of the item that was damaged.
PEMCO's policies do not cover damage from earthquakes, seasonal flooding, mudslides, or broken sewer lines. However, the company can help customers find coverage for these risks through another company.
PEMCO also offers extended replacement coverage, which provides additional protection beyond the limits of a standard policy. This type of coverage may be useful for those seeking more comprehensive protection against wind damage and other risks.
PEMCO's experienced agents work with customers to create a homeowner insurance policy that caters to their unique requirements, ensuring they only pay for the coverage they need. With competitive rates and various discounts, PEMCO makes it easy for customers to find a policy that fits their specific needs and budget.
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Flood insurance is not included in the policy
PEMCO's homeowners insurance covers a wide range of risks, including damage caused by windstorms, which are considered "acts of nature". If a tree falls on your property due to a windstorm, PEMCO's insurance can help cover the cost of repairs. However, it is important to note that flood insurance is not included in the standard PEMCO homeowners insurance policy.
Flood insurance is a separate type of coverage that needs to be purchased in addition to a standard homeowner's policy. Environmental flooding, or water damage from outside the home, is not covered by PEMCO's renter, condo, or homeowner policies. This is a common exclusion in homeowners insurance policies across the United States. PEMCO recognizes the importance of flood insurance and can assist customers in obtaining it through the National Flood Insurance Program or other specialized providers.
While PEMCO's policies do not include flood insurance, they offer comprehensive coverage for various other risks. Their customizable policies can be tailored to meet unique needs and include protection against fire, burglary, and liability for injuries suffered on the property. PEMCO also provides replacement cost coverage, which reimburses policyholders for the cost of replacing damaged items with new ones of similar kind and quality.
It is worth noting that PEMCO's policies may also have limitations on coverage for certain high-value or theft-prone items, such as jewelry, artwork, and antiques. Policyholders can purchase additional coverage, known as an "endorsement" or "rider," to insure these items against specific risks. PEMCO also offers extended replacement coverage, which provides additional protection beyond the limits of a standard policy.
PEMCO is committed to providing peace of mind to homeowners by offering customizable and affordable insurance policies. While flood insurance is not included in their standard policies, they assist customers in obtaining this important coverage through specialized providers. By working with PEMCO, homeowners can rest assured that they have the necessary protection against a wide range of risks, excluding those specifically excluded, such as flooding.
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Additional coverage is available for high-value items
PEMCO's homeowner insurance covers wind damage, including windstorms, which are considered "acts of nature". If a tree falls on your roof, fence, or deck during a windstorm, PEMCO's homeowner policy can help pay for repairs. The company also provides additional living expense coverage if you're unable to live in your home due to damage from a covered loss.
PEMCO's standard homeowner insurance does not cover high-value items such as jewellery, artwork, silverware, antiques, firearms, and coin collections. These items are limited in coverage due to their high value or susceptibility to theft. However, additional coverage, known as an "endorsement" or "rider," can be purchased for an extra cost. This allows you to insure specific high-value items against losses like theft, fire, or even misplacement. The most common additional endorsement sold by PEMCO is for jewellery, giving you the option to insure your jewellery against various types of losses.
PEMCO also assists customers in obtaining specialised insurance for risks that the company does not directly insure, such as earthquakes, flooding, and sewer line issues. PEMCO Agency, the company's affiliate, can help customers find coverage through other specialised insurance carriers. This includes providing information about flood insurance options sold through the federal government and certain private providers. Similarly, for risks related to landslides and earthquakes, PEMCO can help customers obtain a "Difference in Conditions" policy from a company specialising in those risks.
PEMCO's homeowner insurance also covers damage caused by lightning strikes and power surges. Electronics damaged by power surges are covered, and customers are advised to unplug sensitive electronics as part of their windstorm preparations. Additionally, PEMCO offers replacement cost coverage and extended replacement coverage for added peace of mind. In the event of a covered claim, replacement cost coverage reimburses you for the cost of replacing an item with a new one of similar kind and quality. On the other hand, actual-cash value coverage provides reimbursement for the depreciated value of the item before it was destroyed.
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Pemco insurance covers damage to a neighbour's property
PEMCO homeowners insurance covers damage to a neighbour's property in certain circumstances. If a tree on your property falls on your neighbour's property during a windstorm, your PEMCO homeowners' policy can help cover the cost of repairs. This is because windstorms are considered "acts of nature". However, if the tree was unsafe, for example, if it was rotting, and you were aware of it, you may be held liable. In this case, your neighbour would need to file a liability claim against you.
PEMCO also provides coverage for damage caused by theft, burst pipes, lightning strikes, and power surges. If you are unable to live in your home due to damage from a covered loss, PEMCO can help pay for additional living expenses such as temporary rental or hotel costs, meals, and extra travel expenses.
It's important to note that PEMCO homeowners insurance does not cover damage due to environmental flooding, landslides, earthquakes, sewer line breaks, or seasonal flooding. For these types of risks, you would need to purchase additional coverage through a specialised insurance carrier or the National Flood Insurance Program.
PEMCO offers customizable and affordable insurance policies that can be tailored to your unique needs. Their local experts can assist you in filing claims and providing advice on home maintenance and upgrades.
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Claims can be filed online or via the Pemco app
If your home or property has suffered wind damage, you can file a claim with PEMCO online or via the Pemco app. PEMCO homeowners insurance covers damage caused by windstorms, which are considered "acts of nature".
PEMCO's coverage includes damage to your home or property caused by a fallen tree, whether it's your tree or your neighbour's. If your neighbour's tree was unsafe, and your neighbour was aware, they may be held liable. If it's your tree that damages your neighbour's property, PEMCO will investigate promptly and work with your neighbour and/or their insurance carrier.
PEMCO's insurance also covers the cost of temporary accommodation and added living expenses if you're unable to stay in your home while it's being repaired following a covered loss.
PEMCO's website and mobile app allow you to file claims anytime, anywhere. The app also enables you to manage your account, get a quote, purchase a policy, and connect with knowledgeable agents who can assist with any questions or concerns.
PEMCO also provides additional insurance beyond standard homeowner coverage, including flood or earthquake insurance, through its subsidiary company, PEMCO Agency.
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Frequently asked questions
Yes, Pemco homeowners insurance covers wind damage. Windstorms are considered "acts of nature", so if your home or property is damaged in a windstorm, Pemco will investigate responsibility and cover the cost of repairs.
If a tree crashes onto your roof, fence, or deck, your Pemco homeowners' policy can help you repair the damage. Even if it’s your neighbour’s tree, your own insurance will likely cover the cost of the repairs. However, if the tree was unsafe and your neighbour was aware, they may be held liable.
Pemco will investigate the incident promptly, in case someone files a liability claim against you.
Pemco homeowners insurance covers damage caused by theft, burst pipes, lightning strikes, and power surges.
