{"id":93,"date":"2013-04-23T13:51:25","date_gmt":"2013-04-23T13:51:25","guid":{"rendered":"http:\/\/www.homeinsuranceking.com\/blog\/?p=93"},"modified":"2013-04-23T13:52:26","modified_gmt":"2013-04-23T13:52:26","slug":"is-my-home-covered-for-damages-from-an-explosion","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/","title":{"rendered":"Is My Home Covered for Damages from an Explosion?"},"content":{"rendered":"<div id=\"attachment_94\" style=\"width: 310px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-94\" class=\"size-medium wp-image-94\" alt=\"House Destroyed By Explosion\" src=\"http:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/house-destroyed-by-explosion-300x225.jpg\" width=\"300\" height=\"225\" srcset=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/house-destroyed-by-explosion-300x225.jpg 300w, https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/house-destroyed-by-explosion.jpg 540w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-94\" class=\"wp-caption-text\">House Destroyed By Explosion<\/p><\/div>\n<p>The calm of West, a small town in Texas, was recently shattered by an explosion in a fertilizer plant. It was a huge explosion that flattened the factory and badly damaged homes for miles around. Sadly, lives were also lost in the incident. Although the authorities are yet to confirm if the explosion was an accident or an act of sabotage, homeowners across the United States are plagued by a niggling doubt\u2014does my home insurance policy cover my house for damages from an explosion?<\/p>\n<h2>The Georgia Homeowner\u2019s Concerns<\/h2>\n<p>Homeowners in Georgia in particular are curious to know about the details of their <a title=\"What is homeowners insurance?\" href=\"http:\/\/www.gethomeinsurancequotes.com\/faqs\/what-is-homeowners-insurance.php\">home insurance coverage<\/a>. There are many industrial and chemical plants in Georgia in densely populated cities such as <a title=\"Home Insurance in Augusta, Georgia\" href=\"http:\/\/www.gethomeinsurancequotes.com\/georgia\/augusta-homeowners-insurance.php\">Augusta<\/a> and <a title=\"Atlanta, GA Homeowners Insurance\" href=\"http:\/\/www.gethomeinsurancequotes.com\/georgia\/atlanta-homeowners-insurance.php\">Atlanta<\/a>. There are also many chemicals and plastic manufacturing units and fertilizer plants in comparatively smaller cities like LaGrange, Thomson, and Sandersville. Many of these units are located not very far away from densely populated residential areas. So, it is understandable why the average homeowner in Georgia would be keen to know if his home insurance policy also covers damages from an explosion. After all, his home is most likely his single largest investment.<\/p>\n<h2>Answering Questions and Allaying Fears<\/h2>\n<p>After being flooded by queries from concerned homeowners, the Insurance Information Institute has <a href=\"http:\/\/www.propertycasualty360.com\/2013\/04\/18\/massive-texas-plant-explosion-destroys-houses-cars\" target=\"_blank\">clarified<\/a> that damages to residential properties from an explosion are covered under home insurance policies. Most home insurance policies cover damages from explosion apart from those caused by other perils like fire and lightning, theft, windstorm and hail, colliding vehicles, and riot and civil disturbance. Such policies include those classified as HO-1, HO-2, and HO-3, the last-mentioned being the most common type of policy that Georgia homeowners hold.<\/p>\n<div id=\"attachment_95\" style=\"width: 246px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-95\" class=\"size-medium wp-image-95\" alt=\"2012 Man-Made Disasters\" src=\"http:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/man-made-disasters-of-2012-236x300.jpg\" width=\"236\" height=\"300\" srcset=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/man-made-disasters-of-2012-236x300.jpg 236w, https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/man-made-disasters-of-2012.jpg 300w\" sizes=\"(max-width: 236px) 100vw, 236px\" \/><p id=\"caption-attachment-95\" class=\"wp-caption-text\">Review the 2012 Man-Made Disasters Chart<\/p><\/div>\n<p>It is noteworthy in this context that damages from an explosion include those that may have occurred inside the house like when a cooking or a heating device using propane explodes as well incidents that have may have taken place in a factory located nearby. However, if you are not sure about what your insurance policy covers and what not, you can always clarify with your insurer.<\/p>\n<p>Apart from home insurance policies, apartment, and condo owners\u2019 properties may also be covered for damages caused by an explosion by specific renters and\/or condo\/co-operative insurance schemes. Some of these plans may also provide coverage for the additional living costs incurred by homeowners if their damaged houses are deemed unsafe for habitation and they are forced to seek alternative living arrangements.<\/p>\n<h2>More Soothing News for Worried Georgia Homeowners<\/h2>\n<p>By now, Georgia homeowners and especially those who live in the vicinity of factories are probably feeling assured knowing that their houses are covered for damages from an explosion. Here is another piece of information to soothe their worries.<\/p>\n<p>Accidents are unpredictable and can occur at any time. But if authorities prove that an explosion at a factory has been caused by negligence, then homeowners whose properties have been damaged in the incident can claim compensation from the factory owners, contractors, or suppliers who may have contributed to the accident.<\/p>\n<p>So, now that the question, \u201cIs my home covered for damages from an explosion?\u201d has been answered, Georgia homeowners can rest easy and keep their fingers crossed that nothing happens to make them seek a claim for damages due to unforeseen explosions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The calm of West, a small town in Texas, was recently shattered by an explosion in a fertilizer plant. It was a huge explosion that flattened the factory and badly damaged homes for miles around. Sadly, lives were also lost in the incident. Although the authorities are yet to confirm if the explosion was an [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,5,2],"tags":[32,26,12],"class_list":["post-93","post","type-post","status-publish","format-standard","hentry","category-georgia","category-homeowners-insurance","category-questions","tag-georgia-homeowners-insurance","tag-home-insurance-coverage","tag-homeowners-insurance-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is My Home Covered for Damages from an Explosion? - Homeowners Insurance Blog<\/title>\n<meta name=\"description\" content=\"The calm of West, a small town in Texas, was recently shattered by an explosion in a fertilizer plant. It was a huge explosion that flattened the factory\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is My Home Covered for Damages from an Explosion? - Homeowners Insurance Blog\" \/>\n<meta property=\"og:description\" content=\"The calm of West, a small town in Texas, was recently shattered by an explosion in a fertilizer plant. It was a huge explosion that flattened the factory\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/\" \/>\n<meta property=\"og:site_name\" content=\"Homeowners Insurance Blog\" \/>\n<meta property=\"article:published_time\" content=\"2013-04-23T13:51:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2013-04-23T13:52:26+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/house-destroyed-by-explosion-300x225.jpg\" \/>\n<meta name=\"author\" content=\"Ben Roussey\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ben Roussey\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/\"},\"author\":{\"name\":\"Ben Roussey\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/d1f85712ad93cf3017442786cf7c40c9\"},\"headline\":\"Is My Home Covered for Damages from an Explosion?\",\"datePublished\":\"2013-04-23T13:51:25+00:00\",\"dateModified\":\"2013-04-23T13:52:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/\"},\"wordCount\":585,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/house-destroyed-by-explosion-300x225.jpg\",\"keywords\":[\"georgia homeowners insurance\",\"home insurance coverage\",\"homeowners insurance\"],\"articleSection\":[\"Georgia\",\"Homeowners Insurance\",\"Questions\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/\",\"name\":\"Is My Home Covered for Damages from an Explosion? - Homeowners Insurance Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/is-my-home-covered-for-damages-from-an-explosion\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2013\/04\/house-destroyed-by-explosion-300x225.jpg\",\"datePublished\":\"2013-04-23T13:51:25+00:00\",\"dateModified\":\"2013-04-23T13:52:26+00:00\",\"description\":\"The calm of West, a small town in Texas, was recently shattered by an explosion in a fertilizer plant. 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