You know that Lancaster, PA Renters Insurance covers your personal property and additional living expenses. Do you know what your property is covered against? Most people haven’t given it much thought, and just assume that the policy will cover any loss or damage. That’s not true. There are specific named perils listed in the policy that would cause coverage to apply.
How well do you understand your policy overall? Effective Coverage wants to help you understand your policy. That helps you to be sure you have the coverage you need to protect you from the worst that could happen.
What Is The Peril Of Aircraft? How Is It A Danger To My Property?
We’re using a Lancaster, PA policy as an example for this article. Lancaster has close proximity to a number of commercial and general aviation airports. Planes and other aircraft frequently fly over Lancaster and the surrounding areas. Much of that traffic involves private craft at low altitude, including some questionable home-built ultralight aircraft. What happens if there’s an accident? If an aircraft or aircraft part crashes through your roof, is there coverage?
How Does Renters Insurance Protect Me Against The Peril Of Aircraft?
Drone prices keep dropping. There are more drones in the air than ever. Is there coverage if a drone crashes through your window and into your television? Is a drone an aircraft? It fits the definition of “any contrivance used or designed for flight,” so it would be considered an aircraft and therefore a covered peril. Drones present a special hazard. It’s possible for the operator to lose control of them.
That can result in drones crashing into roofs or other parts of your home. Irresponsible drone operators also risk a “drone strike” on your home or apartment! While you can sue the owner of a drone, you’re likely to get only actual cash value for the damaged property that way. If you file a claim on your own policy, you’ll get replacement cost. The difference in actual cash value vs. replacement cost can be significant.
Additionally, aircraft of the more conventional form are a threat. It’s rare, but general aviation private planes sometimes crash into homes. It’s also possible for a part to fall off of or be pushed from an aircraft. An aircraft striking anywhere near your home is likely to cause a significant loss to your property, even if it hits your neighbor. Aircraft would be a covered peril. The resulting fire is a covered renters insurance peril. Any explosion is covered by renters insurance. Your policy has you covered.
Aircraft, and especially general aviation planes, have become much safer over the years. Some of those safety innovations create more danger for people on the ground, however. The Cirrus SR-22 actually contains a ballistic parachute to ensure that a loss of power doesn’t result in a high-speed crash into the ground. Once the parachute is deployed the pilot has little control over where landing occurs. This creates additional risk, while keeping the pilot safer.
What’s Covered, What’s Not?
If it’s your drone or RC aircraft that causes the damage, there wouldn’t be coverage for your stuff. Your liability coverage might cover you for damage caused to other people, but that’s an emerging area of insurance.
Aircraft is a broad peril. The vast majority of situations where an aircraft damages your property are covered. Commercial aviation is overwhelmingly safe in America. However, the statistics for general aviation might surprise you! FlyingMag.com notes that there were 1,471 general aviation crashes in 2012. That doesn’t mean that private planes are unsafe, of course.
It does mean that there are many types of craft that fall into the general aviation category, however. That includes home-built planes and other craft, gliders, ultralights, and more. A small plane or other craft crashing into your apartment building would likely cause a total loss. Fortunately, your Lancaster, PA Renters Insurance would respond to the incident. You have coverage to pay for replacement personal property, and even your additional living expenses resulting from the incident.
How Much Coverage Do I Have Against Aircraft?
Your declarations page indicates how much personal property and loss of use coverage there is on your policy. You should add up everything you own and keep a renters insurance home inventory to make a potential claim easier. Once that’s done, you’ll know if you have enough coverage. It’s easy to increase your coverage, and it’s easy to get covered today. You can get instant proof of coverage with Effective Coverage – Just call (800)892-4308 or click to get covered - whether you need Pennsylvani renters insurance quotes online or coverage anywhere else!
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