Homeowner’s insurance is meant to protect your home if something happens to it. It can also protect your possessions and all of the things that you love so much. It will also cover medical bills if someone gets hurt while they are at your home.
That being said, it doesn’t cover everything. Here are some things that standard homeowner insurance typically won’t cover.
Earthquake damage isn’t typically covered. If you live in an area where earthquakes are common, you may want to add additional insurance to your policy.
It also won’t cover floods. Flood damage can be quite costly, so you may want to add flood insurance to your policy, especially if you live in a flood zone.
Your homeowners’ insurance may also not cover any water damage. This may include any problems that you may have with your septic system.
It also won’t cover any problems that occur because you aren’t taking care of your home. If you don’t maintain your home, your damage may not be covered. Many plans don’t cover rust and mold damage, as well as general wear and tear that happens to a home over the years.
Though your insurance should cover damage to your home, it probably won’t cover damage due to earthquakes or flooding. Because of this, you may want to add additional coverage, just in case. You also need to take care of your home. If you don’t, your insurance might not cover the repairs!
If you want to make sure that you have enough coverage on your home, don’t hesitate to contact us today at Hanneken Insurance Agency Inc. in Little Falls, MN.