Home insurance provides homeowners with peace of mind, protecting their property from a wide range of risks. However, it’s important to understand that not everything is covered under a standard home insurance policy. Knowing what your policy excludes allows you to make additional arrangements to ensure comprehensive protection. In Hershey, PA, Options Insurance Agency offers personalized service to help you navigate your insurance needs.
Flood Insurance
Standard home insurance does not cover flooding caused by rising water outside your home. While it will cover water damage from internal issues like a broken pipe, external flooding requires a separate flood insurance policy. If you live in an area prone to flooding, adding flood insurance to your portfolio is essential for protecting your home.
Earth Movement
Home insurance also excludes damage caused by earth movement, such as earthquakes, landslides, mudslides, and sinkholes. To protect against these risks, you can purchase specialized policies. Assess your area’s risk level to determine whether this type of coverage is necessary.
Sewer Backup
Sewer backups can cause significant damage, but they are not covered under a standard home insurance policy. Adding a sewer backup rider to your policy can provide the protection you need in case of this type of incident.
Owner Neglect
Home insurance does not cover damage resulting from owner neglect. It’s your responsibility to maintain your home, repair issues promptly, and protect your investment. Regular upkeep can help you avoid hazards that are not covered by insurance.
If you live in or near Hershey, PA, the team at Options Insurance Agency is here to provide the information you need to make informed home insurance decisions. Contact us today to ensure your home is fully protected.