When procuring for a home insurance policy from Karla Salmon Insurance in Oviedo, FL, it’s wise to know what’s covered and what’s not covered. This understanding will save you from incurring costs and experiencing heartache when filing a claim. To help you stay informed, we have highlighted some perils that are not covered by your typical homeowner’s insurance. This way, you will make an informed decision when shopping for home insurance coverage.
Floods and earthquake damages
When obtaining your homeowner insurance coverage, it’s worth noting that damages resulting from earthquakes and floods are not covered. In unfortunate cases where such perils damage your home, you will incur the costs of reconstructions or repairs.
Since such occurrences are real and can occur when you least expect them, you should consider purchasing separate insurance coverage against such perils.
Normal wear and tear
Your typical home insurance won’t compensate you for damages resulting from things you are capable of preventing. Such things are considered to have happened due to your negligence, and you should cover them yourself.
If you have started a home-based business, it’s essential to purchase commercial insurance for optimal protection. While home insurance protects your dwelling and its contents, it won’t cushion you against liabilities emanating from your business. For instance, home insurance won’t cover medical expenses if a customer gets injured within your home premises.
Pest and mold infestation
Home insurance assumes that you will observe due care to keep pests and molds at bay. You can’t watch pests, such as termites destroy your home, and then you go seeking help from your insurer. Such claims will face rejections since you left them to happen when you were in a position to take preventative measures.
Home insurance in Oviedo, FL
Would you like to learn more about home insurance? Please contact Karla Salmon Insurance for more information. Besides, we will advise riders to consider covering you against the above home insurance exclusions.