When you own a home, having a good home insurance policy is a must. You may think that you are protected against anything that can happen to your home when you have insurance. In Tuscon, AZ, like other places across the country, there are a few things that your home insurance doesn’t cover. At The Insurance House, we have the expertise to help you to choose the perfect home policy for your home and your budget.
Home insurance doesn’t cover
- Owner Neglect
- Termite damage
- Flood water
- Mudslides
- Earthquake
- Sink Holes
- Sewer backup
- Expensive Jewelry
Owner neglect covers many issues. If your roof leaks because it was neglected, you are at fault, and your home insurance won’t reimburse you for the damage caused to your home.
Termite damage is the result of homeowner neglect and won’t be covered either.
Floods are one of the most damaging things that can happen to your home, and you need to purchase separate National Flood Insurance to protect your home.
Mudslides are often the result of earth movement, which is another name for an earthquake, which is not a covered event.
Sinkholes have become common in some areas, and they are usually not covered under a basic home policy. You may, however, be able to buy an additional add-on to your policy.
Sewer back up is not covered under standard home insurance. A few companies do offer an endorsement for an additional premium, and if this is something that could happen, it is worth looking into.
Expensive jewelry is not covered with your home insurance. The amount that they will pay for jewelry is typically about $1500. If you own some high-priced pieces, you should consider a jewelry rider to protect you from theft or damage.
Homeowners in Tuscon, AZ are lucky to have The Insurance House and their experienced staff to help walk them through the complicated world of home insurance. Stop by or give our office a call for a no-obligation quote or to discuss your home insurance needs.
