When you choose your home insurance, you probably feel invincible. Nothing can happen to your home that you aren’t prepared for. This is not totally correct; like most insurance, home insurance has exclusions, things that it doesn’t cover. At Capalbo Insurance Group LLC in South Kingston, RI we try to make sure that all of our customers understand what their home insurance covers and what it doesn’t.
Home Insurance Exclusions
Earth movement
Earth movement covers a variety of different events including but not limited to earthquakes, sinkholes, mudslides, landslides, and subsidence. All of these can cause catastrophic damage to your home. If you live in an area where any of these is a possibility, it is important to consider adding this coverage in the form of a rider or an additional policy to make sure you are protected.
Floods
Floods that come from groundwater or are not covered under a traditional home policy. If your home is flooded by a broken pipe, this is covered. Floods are very damaging, and every year more and more places flood due to rising water levels. Flood insurance is sold by the federal government through insurance agents. If there is any potential for your home to be damaged by flooding, you should get this important coverage. It doesn’t take much water to cause a lot of damage.
Owner neglect
As a homeowner, it is your responsibility to maintain the condition of your home. This means that you need to make sure that termites aren’t destroying your home, that mice are not infecting it, and that your roof gets replaced before it allows your interior to be damaged. Your insurance company can require you to do the necessary repairs if they discover that you are not maintaining your home.
We Can Help!
Contact Capalbo Insurance Group LLC in South Kingston, RI to discuss your home insurance needs.
