Home Insurance

Home Insurance

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What Homeowners Insurance Might Not Cover

In addition to frequently getting an updated homeowners insurance quote, it is equally important to make sure that your current coverage amounts remain adequate.  Also, since things are constantly changing, it is a good idea to review things that are normally not covered by home insurance, and verify that these exclusions are acceptable.

Probably the most important exclusion from standard homeowner’s policies is damage caused by natural disasters.  These include floods, earthquakes & hurricanes.  Especially if your home is located in areas that are more prone to these types of events, knowing you are not covered ahead of time is important.  In many instances you can purchase specific types of insurance to cover you in the event of a loss, so speak to your insurance carrier if you are interested in having protection that goes beyond what standard homeowners policies offer.

Water, mold damage and sewage backup damage are normally also excluded.  Riders are usually available to cover sewage damage, and can be added to your policy relatively inexpensively.  

Jewelry is normally only covered up to about $1,000, so it is normally suggested that additional coverage be purchased to include things such as wedding and engagement rings.  

Being educated about what is not covered is very important so you don’t get surprised when you go to file a claim and it is denied.  So, review your coverage frequently and if necessary, update your policy accordingly.

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Home Insurance Resources

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