You buy home insurance to provide peace of mind and, in some cases, because you are required to by your mortgage holder. You may or may not be aware that no home policy covers everything that could possibly go wrong. There are always exclusions. Being aware of them and making the necessary adjustments is vital. At Davidson Insurance Agency in Evergreen, CO, we are independent insurance agents who work for you to find the personalized home insurance policy you desire.
Home Insurance Exclusions
Owner neglect
Your insurance company will hold no unrealistic expectations that you will maintain your home. It is your responsibility as a homeowner. If you neglect the care of your home, your home insurance will not cover the resulting damage. This includes things like termites, mold, rodent damage, and wear and tear.
Flooding
Floods are one of the most damaging natural disasters and happen in many locations across the United States. Traditional home insurance does not cover flooding. You need to purchase a separate policy through the National Food Insurance Program in order to get the protection you may need.
Earth Movement
Earth movement is not covered by home insurance either. This includes not only earthquakes but sinkholes and landslides. These are all types of earth movements. In order to be covered, you will need to purchase an endorsement providing this coverage.
Sewer or sump pump backup
Having your sewer backup into your home is disgusting and not something anyone wants to have to deal with. It is even worse to discover that your home insurance isn’t going to pay for the cleanup and any damage that results. This coverage can be obtained through an addition to your policy at an additional charge.
Get The Right Coverage For Your Home Today
Contact Davidson Insurance Agency in Evergreen, CO for any home insurance needs you may have.
