Compare Home Insurance: what is not covered by general home insurance?

We have all witnessed through media channels the eruption of a volcano in Iceland and watched in awe as Mother Nature disrupted flight plans worldwide and brought Europe to a standstill. It has not been the first time nor will it be the last that factors outside our control, ‘an act of God’, cause unforeseen hazards.

The insurance companies were suddenly scrambling as airlines rushed to make claims and travellers stranded were anxious to know what their travel premiums covered. The immediate response was; insurers were unable to payout as they termed the incident ‘an act of God’ thus dissolving them of any responsibility. Although the airlines were the only ones to be out of pocket and a few savvy travellers who chose to find their own way home, it begs the question what is not covered by standard insurance?

Aussie’s invest a great deal in their homes and shopping comparison websites are smart tools when seeking a home insurance comparison. At the touch of a button a wealth of information on current home insurance premiums are readily available, current rates and competitive packages displayed at a seconds notice but can we trust the coverage? The best approach looking at home insurance comparison premiums, is to know what in general, most standard premiums will not cover and then you can approach with confidence the process and add the extras that may suit your location and living circumstances. Here’s an insight into what’s not generally covered;

• Lightning
• Windstorm or Hail
• Explosion
• Riot or civil commotion
• Damage caused by aircraft
• Damage caused by vehicles
• Vandalism
• Volcanic Eruption
• Falling Objects
• Accidental tearing apart, bulging or burning of steam or hot water heater or air-conditioning unit