Home Insurance Exclusions You Should Know About

Home insurance from Don Allred Insurance protects your dwelling from perils like fire, theft, vandalism, and certain natural disasters. But just like other insurance coverages, your home insurance isn’t entirely flawless — it has exclusions, and knowing about them is equally important as understanding what your home insurance policy covers.  

Do you have a home insurance plan for your Burlington, NC home? Here is what your typical home insurance won’t cover.

Ground movement

When earthquakes and sinkholes strike in your home, your home insurance won’t cover you. Otherwise, you need a separate endorsement to cover these disasters.

Floods

Your home insurance will cover water damage resulting from leaky pipes but won’t cover you from overland flooding. That said, you need to talk to your insurance agent to get you an individual plan for flood insurance if you live in a flood-risk zone. 

Pest and mold infestation

If molds and pests damage your home, don’t run to your insurer since your claim won’t go through. Your insurer expects you to take care of your home from such infestations, and therefore, any damage from neglect isn’t your insurer’s headache.

Sewer backup

Clogging, old sewer lines and tree roots may compromise the integrity of your sewer system, leading to water damage. While this is a common occurrence, the sad bit is that your conventional home insurance doesn’t cover. However, you can purchase a separate rider to cover such damages.

Natural wear and tear

After some years, wear and tear is likely to crop up on your property. And because this is expected, your home insurance won’t protect you when this occurs. However, with proper maintenance, your home can always look in tip-top condition, negating any need for insurance intervention.

Home insurance in Burlington, NC 

Need to learn more about your home insurance plan? Don’t hesitate to get in touch with Don Allred Insurance for more information.