I'm evaluating my insurance for my cars and I figured I might as well do the same for my home owners.

I have been with State Farm for decades and one reason l like them is that my policy is a "All risk" policy. I do have to wonder if it is worth the added expense. After 30 yrs of home ownership, I have never had to declare anything that was not on a named peril list. Not to say it wont happen but so far not yet.

Has anyone here had to make a claim that was denied because it was not covered on a named peril policy?

For those of you unfamiliar with the policy types, her are a few primers.

Named Perils vs All Risk Homeowners Policies | The Truth About Insurance.com

Named Peril or All-Risk Insurance: What's the Difference and Which is Better in a Given Situation? : Property Insurance Coverage Law Blog

__________________
Sent from an agnostic abacus

2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.