• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Contact Us
Call Us Call Us Today | (269) 637-1181
Home
  • Home
  • Get A Quote
  • What We Offer
    • Auto Insurance
    • Business Insurance
    • Farm Insurance
    • Homeowners Insurance
    • Rental Property Insurance
    • Boat Insurance
  • Resources
    • Refer a Friend
    • Frequently Asked Questions
    • Insurance Glossary
    • Make a Payment
  • Blog
  • About Us
    • About Hardt Insurance
    • Location Map
    • Employee Directory
    • Testimonials
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO Read More
Homeowners Insurance HOME Read More
Business Insurance BUSINESS Read More
Farm Insurance FARM Read More
Rental Insurance RENTAL Read More
Boat Insurance BOAT Read More
Home > Blog > Homeowners Insurance & Giant Blueberries
SATURDAY, AUGUST 4, 2018

Homeowners Insurance & Giant Blueberries

What first appeared to be a bizarre property damage incident of fairly epic proportions has turned out to be a hoax.  A significantly large blueberry was reported to have partially crushed a local home.  Fortunately, it just turned out to be a reckless teenager playing around with graphic design, instead of doing his summer homework.

But, the awesome size and quality of Michigan blueberries got local insurance professionals thinking.  If inexplicably becoming airborne, would damages to a home by giant blueberries be covered by insurance?

Blueberries from the South Haven area—including Covert, Glenn, Grand Junction, and Pullman and beyond—are known to be large.  Michigan is among the top producers of high-bush blueberries in the world, with southwest Michigan’s lake-effect climate growing arguably some of the largest, most flavorful blueberries known to humankind.  So back to the looming question that certainly keeps many people awake at night—would it be covered?

The short answer is that yes, this type of damage would most likely be covered on a typical homeowners insurance policy.  Most policies are known as HO-3, “special perils” policies.  These policies are structured such that a claim is covered, unless it is specifically excluded.  Typical homeowners policies do include several exclusions, so you always want to review your policy or discuss questions with your agent.  But, in reviewing the HO-3 policies issued by Hardt Insurance’s carriers, we did not find any who exclude damage from giant flying blueberries.

So good news—you can rest easy and enjoy your locally grown blueberries!  That is, if you have a “special perils” HO-3 type policy.  Some companies will sell more restrictive policies, so if you have questions or want a quote for your home, auto, business, or farm, please contact us here at Hardt Insurance regarding your insurance needs.  And don’t forget to visit the National Blueberry Festival (August 9-12, 2018), and get some local blueberries before the season flies by!

Posted 10:00 AM

Tags: homeowners, blueberries, ho-3, special perils
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016

  • homeowners(4)
  • business insurance(4)
  • mcca(3)
  • farm insurance(3)
  • michigan auto insurance(2)
  • full coverage(2)
  • auto insurance(2)
  • home insurance(2)
  • liability limits(2)
  • maintenance checklist(1)
  • bi/pd(1)
  • auto insurance discounts(1)
  • business property(1)
  • blueberry farm insurance(1)
  • michigan home insurance(1)
  • general liability(1)
  • hardt insurance building renovation(1)
  • commercial(1)
  • short-term rental insurance(1)
  • no-fault reform(1)
  • non-profit insurance(1)
  • nonprofit insurance(1)
  • downtown south haven(1)
  • farm equipment insurance(1)
  • renters insurance(1)
  • rental dwelling liability(1)
  • michigan automobile insurance(1)
  • actual cash value(1)
  • movie preview(1)
  • plpd(1)
  • property valuation(1)
  • ho-3(1)
  • vacation property insurance(1)
  • organization insurance(1)
  • michigan no-fault(1)
  • fall(1)
  • boat insurance(1)
  • michigan(1)
  • blueberries(1)
  • commercial property(1)
  • pip reform(1)
  • personal insurance(1)
  • cheap auto insurance(1)
  • vacation home insurance(1)
  • replacement cost(1)
  • pandemic impact(1)
  • michigan spring insurance tips(1)
  • rental dwelling(1)
  • south haven home insurance(1)
  • michigan college insurance(1)

View Mobile Version
Facebook
LinkedIn
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Twitter Logo
Hardt Insurance

Resources

Home About Us Get a Quote Make A Payment Contact Us

Contact Us

  • 511 Huron St.
  • South Haven, MI 49090
  • Phone: 269-637-1181
  • Fax: 269-637-9152
  • Email: info@hardtinsurance.com
© Copyright. All rights reserved.
Powered by Insurance Website Builder