No matter where you live, there are risks that all homeowners face. You have made a major investment in buying your home. Protecting that investment is important. No home insurance will cover everything, but knowing what is not covered can help you make adjustments. Finding the right policy is easier if you have an independent insurance agent who can put your interests first. At August Vincent Insurance Agency in Huntley, IL our agents work hard for you. With more than a decade of experience in the Quad Cities, we are familiar with the local market.
Owner neglect
One of the easiest things to make adjustments for is owner neglect. Your insurance company expects you to maintain your home and if you don’t replace your roof and it leaks, well, it’s likely they won’t cover the damage caused by the leak. If you get termites, they won’t pay for the damage, you should get your place treated.
Flooding
Floods are one of the most common natural disasters and cause millions in damage every year. Home insurance does not cover flooding. If you live in an area where there is a danger of flood damage, you need to purchase a separate flood insurance policy.
Earth Movement
Earth movement refers to things like earthquakes, mudslides, and sinkholes. None of these disasters are covered. Again, if it is a worry, you can purchase a separate policy.
Sewer backup
The only thing more disturbing than having a sewer backup in your home is finding out that it is not covered by your home insurance.
Identity theft
Expenses that may be incurred due to identity theft are generally not covered by your home insurance. You can purchase coverage for these kinds of expenses.
When you are in the market for home insurance, contact August Vincent Insurance Agency in Huntley, IL, to get a no-obligation quote.
