Areas not protected by most homeowners insurance .What Does Homeowners Insurance Cover? Your Complete Guide
7 THINGS HOMEOWNERS INSURANCE DOESN’T COVER
FLOOD
Homeowners insurance is vital for protecting your home and possessions, but it doesn’t cover flooding. If you live in an area at risk of flooding, it’s important to get flood insurance to protect yourself from the devastation a flood can cause.
A flood can happen suddenly and without warning, so it’s important to be prepared. Flood insurance will reimburse you for the cost of repairs and replacement of damaged items, up to the policy limit. It can also help with living expenses if your home is uninhabitable due to flood damage.
If you’re not sure whether you need flood insurance, consider this: just one inch of water in your home can cause $25,000 in damage. And floods are becoming more common due to climate change. In fact, the National Flood Insurance Program estimates that by 2050, thirteen million Americans will be living in areas at high risk of flooding.
So don’t wait until it’s too late – get flood insurance today and give yourself the peace of mind that comes with knowing you’re protected against one of nature’s most destructive forces.
PIPE REPLACEMENT & PLUMBING
If your home is like most, the plumbing is an essential part of its infrastructure. Running water and sewage disposal are two of the most basic functions of a home, and without functioning plumbing, your home would quickly become uninhabitable. That’s why it’s so important to have properly functioning plumbing, and why it’s frustrating when something goes wrong.
One of the most common problems homeowners face is pipe replacement and plumbing repairs. While these issues can be major headaches, they’re usually not covered by standard homeowners insurance policies. That means if you have a problem with your pipes, you could be on the hook for expensive repairs.
Fortunately, there are some things you can do to minimize the risk of needing pipe replacement or plumbing repairs. First, make sure to properly maintain your plumbing. That means regular cleaning and inspection to identify any potential problems before they become serious. Second, consider investing in a good quality home warranty policy that includes coverage for pipe replacement and plumbing repairs. A home warranty can give you peace of mind knowing that if something does go wrong with your plumbing, you’ll be covered.
If you’re a homeowner, protecting your home against potentially costly repairs is important. Pipe replacement and plumbing repairs can be expensive, but they don’t have to be if you’re prepared. Be sure to maintain your plumbing and consider investing in a home warranty policy to protect yourself against unexpected repair bills.
YOUR HOME BUSINESS
Homeowners insurance is one of the most important investments you can make. But did you know that many policies exclude coverage for home businesses? That means if you work from home, your policy may not protect your business equipment or inventory in the event of a covered loss, like a fire or theft.
At Homeowners Insurance, we understand the unique needs of home businesses and have a policy that can give you the coverage you need. Our Home Business Insurance policy includes coverage for business equipment, inventory, and even office space in your home. And if you have employees, we can cover them too!
Give us a call today to learn more about our Home Business Insurance policy and how it can help protect your business.
PETS
Does your pet have you covered? Your furry friend may be the best thing since sliced bread, but when it comes to insurance, they’re not always top of mind. In fact, many pet parents are surprised to learn that their homeowners insurance doesn’t cover their pet. So, what does that mean for you and your furry family member?
For starters, it means that if something happens to your pet, you could be left footing the bill. And we all know how expensive vet bills can be! Not to mention, if your pet were to damage someone else’s property, you could be held liable. But there’s no need to worry, because HOMEOWNES has you covered with our comprehensive pet insurance policy.
With our policy, you can rest easy knowing that your pet is protected in case of an accident or illness. We even offer coverage for Wellness and Routine Care, so you can keep them healthy and happy without breaking the bank. Best of all, our premiums are very affordable, starting at just $5/month. So why wait? Give us a call today and let us help you give your pet the best possible care.
MOLDS
Molds can be a serious problem in your home. They can cause health problems, damage your property, and make your home less comfortable to live in. Homeowners insurance typically doesn’t cover mold damage, so it’s important to take steps to prevent and remove mold from your home.
Molds are fungi that grow in moist environments. They reproduce by releasing spores into the air, which can then settle on surfaces and start new colonies. Molds can cause a variety of health problems, including respiratory illnesses, allergies, and skin infections. In people with weakened immune systems, molds can cause serious infections.
Molds also damage property. They can cause paint to peel, wallpaper to crumble, and wood to rot. In severe cases, mold growth can even lead to structural damage.
If you think you have a mold problem in your home, contact a professional mold removal company. They will be able to assess the situation and develop a plan to safely remove the mold from your home.
EARTHQUAKE AND EARTH MOVEMENT
If you’re a homeowner in an earthquake-prone area, you know that your regular homeowners insurance policy doesn’t cover damage caused by earthquakes. You might think that you’re covered in the event of an earthquake, but you’re not. Homeowners insurance policies generally exclude earthquake damage, so if your home is damaged or destroyed in an earthquake, you’ll have to pay out of pocket to repair or rebuild it.
That’s where Homeownes Coverage comes in. We offer comprehensive earthquake insurance coverage that will protect your home and belongings in the event of an earthquake. We know that earthquakes can happen without warning, and we want to make sure you’re prepared for anything. With our policy, you’ll have peace of mind knowing that your home is protected.
So don’t wait until it’s too late. Get earthquake insurance from Homeownres Coverage today.
DAMAGE REMODELING YOUR HOME
If you’re considering remodeling your home, one of the things you’ll need to think about is damage coverage. Homeowners insurance typically doesn’t cover damage caused by remodeling projects gone wrong. That’s where our product comes in.
Our home remodeling damage coverage protects you from financial loss if something goes wrong during your project. Whether it’s a contractor mistake or an unforeseen problem, we’ve got you covered. Plus, we have a team of experts who can help you resolve any issues that arise.
So if you’re planning a home remodeling project, be sure to get our home remodeling damage coverage. It could save you a lot of money and hassle in the long run.