Insurance

4 Things Your Home Insurance Doesn’t Cover

No one ever plans on a disaster happening, but it’s always important to be prepared. That’s why it’s important to know what is and isn’t covered by your home insurance policy. Knowing will help you plan and budget for the unexpected as well as keep your family safe and protected. In this article, we’ll go over the top four things that are not typically covered by home insurance.

1. Flooding

One of the most common natural disasters is flooding, and unfortunately, home insurance policies don’t cover damage caused by floods. If you live in an area that’s prone to flooding, it’s important to purchase a separate flood insurance policy. By speaking with your agent for home insurance in Decatur, GA, you will be able to get a policy that covers you and your belongings in the event of a flood. Plus, it will give you peace of mind knowing that you’re prepared for the worst.

2. Mold

Mold is another common problem that’s not covered by home insurance. This is because mold can be caused by several different things, including leaks, condensation, and poor ventilation. If you have mold in your home, it’s important to get rid of it as soon as possible. Not only is it unsightly, but it can also cause health problems for you and your family. However, if the mold occurred due to a covered event, such as a burst pipe, then your insurance policy will likely cover the cost of mold removal.

3. Poor Maintenance or Negligence

If your home is in disrepair or if you’ve been negligent in maintaining it, your home insurance policy will not cover any damage that occurs as a result. This is because it’s your responsibility to keep your home in good condition. That means fixing any problems that arise in a timely manner and making sure that your home is up to code. If you don’t, you could be putting your family at risk and leaving yourself vulnerable to expensive repairs.

4. Government Action

If your home is damaged as a result of government action, such as an eminent domain seizure or forced evacuation, your home insurance policy will not cover the cost of repairs. Additionally, any damage that is a result of a war or nuclear disaster is also not covered by home insurance. So, if you live in a region that’s inclined to these types of events, it’s important to have a backup plan in place.

To Conclude

No one ever wants to think about their home being damaged or destroyed. However, it’s important to be prepared for the worst. That’s why it’s crucial to get in touch with a company for insurance in Decatur, GA so that you understand what is and isn’t covered by your home insurance policy. This way, you can plan and budget accordingly.