What Is Not Covered On a Standard Home Insurance Policy?

A standard home insurance policy in Fredericksburg, VA protects your home from several different perils. However, there are some exclusions of which you should be aware. When you know what is and is not covered by your home insurance, you could save yourself a great deal of heartache and money in the future. At Pete Webb Agency, we believe in providing our customers with all the knowledge that they need to ensure they have the best possible coverage to meet their specific needs.

Damage From Floods and Earthquakes

In Fredericksburg, VA, earthquakes are not covered by a standard home insurance policy. It is possible to purchase earthquake insurance as an endorsement on your policy at an additional cost. Flood insurance must also be purchased separately to protect your home and your belongings in the event of a natural flood.

Additional water damage types that may not be covered by your home insurance policy include backups and overflows from drains, sewage systems, and sump pumps. Talk to your insurance provider about purchasing coverage for these events separately.

Maintenance Problems

Maintaining your home with regular maintenance and repairs is not something that a standard home insurance policy will cover. Likewise, problems that arise from failing to properly maintain your home also will not be covered. In addition, hidden defects, poorly made materials, and mechanical breakdowns are not usually covered by a standard home insurance policy.

These are only a few of the most common items excluded from a standard home insurance policy. To learn more and make sure you have the proper coverage in place should disaster ever strike your home and family, contact the experts at Pete Webb Agency. Our team is standing by to assist you with finding the coverage to meet your needs. Call today.