4 Home Maintenance Issues Your Regular Home Insurance Won’t Cover

Any homeowner would want to protect their property from any hazards and liabilities possible. Once they do, they tend to acquire home insurance to cover for such – yet, sometimes not knowing what it indeed includes and what is not.

Realtors recommend homeowners to get home insurance. It is a tool to keep the property secure for any unforeseen damages. There are some home issues you need to be aware of about your regular home insurance won’t cover:

1. ​Natural Disasters: Floods and Earthquakes
   Your regular home insurance does not answer to natural disasters such as floods and earthquakes as it has a separate home insurance policy for it. If you want you home property to in protection against any natural calamities, you can opt to check and subscribe to separate home insurance that covers it.
   
   Your area will undergo an assessment first before insurance companies issue a flood or earthquake insurance coverage.
   
   
2. Termites and Molds
   Your regular home insurance is not responsible for any building of termites and molds in your home. What you can do is to do preventive maintenance, so incidents like it do not pursue. Termites and some fungi might be a familiar issue in any household, but home insurance does not cater to it.
   
   To get your home protected from such problems, make sure to hire an expert termite or pest control provider at least once every two years. 
   
   
3. Broken or Burst Pipes
   Broken or burst pipes are common home dilemmas. Sad to say, your home insurance does not cover it. There are some exceptions though that your insurance company can consider. If your home pipes are leaking and its cause by natural liabilities, the insurance company can cover it.
   
   If your home pipes burst because of your negligence like you know it was leaking and you neglect to fix it, the insurance company will not cover it.
   
   
4. Other Liability Problems Towards Other People
   If you have other liabilities occurred in your home, your insurance policy will surely not cover it. A perfect example for this is when you have a pet who attacked one of your visitors or a random delivery guy in the vicinity of your home property, you, as an owner, is solely responsible for it.

It is better to ask your trusted realtor about what other policies and particular matters you wish to cover for your home. Your regular insurance can answer to the most familiar home issues yet; it is still better to have a review of what your insurance governs for your guidance. At Keith Sanders Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. You can get more information about our products and services by calling our agency at (254) 235-8185. Get your free quote today by CLICKING HERE.