After laying out and smoothing the plastic white tablecloth atop her kitchen table, Barbara noticed spots here and there. Opting for a quick fix, she grabbed a bottle of bleach and poured a small amount on the plastic. Then she wiped the liquid around. The bleach worked like a charm, effectively blanching the entire cover for a pristine white look.

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Shortly afterward, Barbara’s two-year old granddaughter climbed onto the table. Barbara’s teenager daughters leaned over to pull the toddler safely off. That was when the damage became noticeable: a pair of red toddler pants, severely discolored and two expensive high school sweaters, ruined at the elbows. Upon further examination of the area, Barbara noticed the parquet kitchen floor had also incurred damage from droplets of bleach that had spilled off the plastic tablecloth.

Anyone who has had a similar mishap can understand the grief. Fortunately for Barbara, her homeowners insurance included ‘all risks’ coverage and she was able to file an insurance claim to cover the costs of replacement and repair of the damaged garments and flooring.

About ‘All Risks’ Insurance

 NJ all risks coverage is property insurance that protects an accidental damage incident, aside from that which is explicitly omitted in the policy, including a normal wear-and-tear occurance. A standard all-risk policy will cover perils like fire, theft, wind damage, vandalism, specific kinds of water damage, falling objects and vehicle damage to your home, as well as accidents like Barbara’s laundering blunder.

For more on homeowners and all-risks property insurance, contact a knowledgeable, independent agency that has the resources to assist you.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With over 10,000 satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate customized policies at competitively lowest quotes.

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Summary: After Barbara’s bleaching technique caused clothing and floor damage, there was a happy ending due to the all-risk property insurance coverage she had in place!