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sfgate.com Businesses  « Back to Article  Superstorm spotlights
home insurance  Published 7:52 pm, Saturday, November 3, 2012
Larger | Smaller Email This Page 1 of 1    After every major
disaster, it seems, insurance companies find ways to limit
coverage, and if you don't read the fine print in your policy,
you may be unaware of so-called exclusions.    If the home is
insured for $300,000 with a 5 percent hurricane deductible, the
homeowner must pay the first $15,000 in damages resulting from
high winds or a named hurricane, depending on the trigger named
in the policy. (Percentage deductibles are also typical in
earthquake policies.)    As always, the best time to find out
what's in your policy is before a disaster, not after.  What's
in, out  A standard homeowner insurance policy provides
liability coverage up to a certain amount if someone is injured
on your property or you or a member of your household hurts
someone (on or off your property) and yo