What are “named perils”?

Maybe you have heard this language in reference to insurance before. It’s pretty simple, actually. Named perils are dangers that are specified and covered in a policy (homeowners). A named perils insurance policy is going to be less expensive because it covers only certain occurrences. On the other hand, open perils cover any damage that isn’t excluded (flood & earthquake are usually excluded, and coverage for those events should be purchased separately). Why does it matter? As a consumer and homeowner, you should be aware of what your policy covers. To speak with an agent regarding homeowner’s insurance, call 530-872-0111.

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