Home insurance offers a wide selection of protection for your home. It shields you from the consequences of fires, tornadoes, and many other hazards. It provides protection when you get sued and offers you a place to live if your home is damaged. However, it does not cover everything that could go wrong. At Bacon Insurance Group in Richmond, VA, our agents represent many different carriers, which allows us to offer more choices and better rates.
Despite the many things that home insurance covers, there are some things that it won’t cover.
Earth movement
Several different things come under the category of earth movement. If your home is damaged by an earthquake, sinkhole, mudslide, or landslide, the damage will not be covered by a traditional home insurance policy. However, you can get coverage for these things from your insurance agent.
Floods
Floods are one of the most common natural disasters. Thousands of people suffer from devastating losses due to floods every year. Floods that result from surface water are not covered by home insurance. Flood insurance is available through the NFIP. This is available through your independent insurance agent.
Owner neglect
Owner neglect might sound like you are letting your home run to rack and ruin, but it doesn’t need to be nearly as extreme as that. If your roof is old, and you are not getting it replaced, that is neglect. If you end up with termites, that is neglect. You should have gotten your home treated. Your insurance company expects you to do the basic repairs that are needed to your home to avoid damage.
Aggressive dog breeds
If you are considering getting a dog, check with your insurance agent to ensure it is a covered breed.
Bacon Insurance Group in Richmond, VA is here for you when you are ready to discuss your home insurance coverage. Our independent agents are here for you.
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