Owning a home is a huge responsibility. So many things can go wrong that could damage your home. It is vital that you read your home insurance policy. Some things are excluded from coverage. Once you know what the exclusions are you can have an alternative plan for coverage. At Magic City Insurance Group LLC in Birmingham, AL, we strive to educate and make sure our customers have the coverage they need.
Sewer backup
As disgusting as it is to think about what a mess a sewer backup could cause, it is even worse to consider that mess not being covered by home insurance. If it makes you uneasy, you can get an endorsement that will cover you in the event it happens.
Earth movement
Feeling the earth move under your feet? Not a good thing when it comes to home insurance. Almost all earth movements are not covered by traditional home insurance. That includes earthquakes, landslides, mudslides, and sinkholes. However, if you feel that you are in danger of this happening, you can get a separate policy to cover whichever one might be a danger to you.
Flooding
Flooding is probably what shocks most people when it isn’t covered by home insurance. By flooding, it means surface water. If one of your pipes breaks in the house, that will be covered by your policy. But the water from the ocean, a stream, or a river will not. You can, however, purchase a policy through the National Flood Insurance Program.
Owner neglect
As the owner, you are expected to maintain your home. This includes termites and mold, replacing your roof as needed, and any other maintenance that needs to be done. Damage that results from neglect won’t be covered.
Contact Magic City Insurance Group LLC in Birmingham, AL when you are in the market for home insurance.
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