Common Things That Are Not Included In Your Home Insurance Coverage

Home insurance is intended to ensure that your home is protected against any destructive events. With that in mind, you may probably be thinking that it covers every damage that may happen to your property. 
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That is not always the case. Things that aren't included in your home insurance coverage are the damages related to large-scale disasters and negligence.

Specific Events Not Covered by Home Insurance
Home insurance policies do not cover some natural events that drastically affect your property. These can be categorized into events caused by negligence and those with a broader scope of damages.

Here is a quick look at some damages and scenarios excluded from home insurance coverage.

Large-Scale Destructive Events
A home insurance policy does not cover damages caused by large-scale disasters, such as earthquakes and massive floods. It would be best to avail of additional insurance to provide extra protection to your home in situations like this.

Generally, the following are the types of massively destructive situations that most home insurance companies do not cover:

• Nuclear accidents
• Eminent domain, seizure, or other actions made by the government
• War
• Different earth movements, such as sinkholes and earthquakes
• Floods

Some home insurance companies may offer coverage of damages caused by natural disasters, including strong winds, floods, and earthquakes. If you live in a disaster-prone area, purchasing insurance that covers these risky situations is advisable. For instance, flood insurance is recommended for homeowners living near the shore.
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Home Damages Caused by Negligence
Home insurance coverage includes damages caused by uncontrollable events. This means that it does not cover anything you can fix or prevent as a homeowner. Beyond that, normal wear and tear are also excluded from home insurance coverage.

Here is the list of damages caused by negligence that the home insurance policy does not cover:

• Sewer backup
• Mold buildup and water damage
• Pest infestations, such as bedbugs, termites, and rats

Summary
Home insurance is the most important investment you have. Despite broad coverage, it does not cover some damages caused by certain perils. Damages caused by earthquakes, floods, and negligence are usually not covered by a home insurance policy. In that case, it would be great to get a separate insurance policy that covers more than one of these scenarios.

At Black and Associates Insurance, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (509) 464-0058 or Click Here to request a free quote. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!