Home Insurance: Wait, It Doesn’t Cover That?

Ah, the joys of home ownership. A place you can call your own, decorated and fitted to you and your family’s needs. To top it all off, you may even have a great insurance bundle, covering both your home and cars. Talk about peace of mind! “Hold on,” your insurance agent may add, “Your home insurance policy does not cover everything that occurs at your home.” Here are some common scenarios where your homeowner’s policy, while providing essential coverage for your property, does not cover all activities that take place within it:



If your home is flooded, excluding specific purchased coverages for pipe or sump pump failure, you are likely out of luck. The reason for this is because flood is covered under a different beast entirely, flood insurance.


Existing Damage and Lack of Maintenance

While you may have purchased home insurance, the coverage is protecting your home as expressed within the home insurance policy. If you don’t keep up with the necessary maintenance – thereby resulting in a loss over time – you may find this type of loss uncovered.


Home Business

Your side (gig, hustle a/k/a) business that you operate out of your home – while a beautiful testament to our freedom and your ability to make extra cash – typically would not be covered. Business exposures are not covered by home policies. Take a look at the various options for business insurance for your commercial protection needs.


As you can see, home policies don’t cover everything that happens on your property. Thankfully, you’ve come to the right place – Jeff Munns Agency is able to quote home, auto, business, flood, umbrella, and much more to find insurance options. Send us a message today!


Note: The examples and descriptions used throughout this article are for general information purposes only, not legal advice. Coverage of losses are not guaranteed, rather they are subject to the decision of insurance underwriters, police departments, and other authorities. Coverage availability and limits can vary based on person, location, and other variables. Please consult your insurance agent and review your insurance policies to understand your existing coverage and/or potential coverage options. Read our disclaimer.

© Jeff Munns Agency, Inc.



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