It’s important to read your home insurance in Decatur, AL because there are a few things that the policy may not cover. Not every policy is created equal, which is why it’s important to read the fine print on your policy. However, there are a few things that are not normally covered under any type of policy.
Ground movements, such as sinkholes, landslides, and earthquakes, aren’t covered under home insurance. This requires a different type of insurance coverage if you want to be protected if ground movement happens. Floods are also not covered and this will require an additional policy in order to get any damages that come from floods covered. Not all your belongings will be covered under your policy and there are certain coverage limits. If you have a lot of valuable items, such as artwork, jewelry, or expensive electronics, purchasing extra coverage can make sense. Home insurance won’t cover appliances in the home if they break down from wear and tear. If you want coverage for these types of things, there are home warranties that can replace appliances and HVAC units. Infestations, whether its mice, termites, or vermin, won’t usually be covered either. The insurance company sees this as part of maintaining the home. It’s always a good idea to have an emergency fund set aside for when your home needs some upkeep and repairs.
If you are worried about any potential problems that may not be covered by your policy, speak with an agent at Will Wright Agency Inc. You may be able to add endorsements or riders that will add on some additional coverage. The insurance company can also point you to other coverage options, such as flood or earthquake insurance, to stay protected.
Contact Will Wright Agency Inc., serving Decatur, AL, to get a quote on home insurance.