What Home Insurance May Not Cover

When it comes to buying home insurance, you feel a sense of calm in knowing your home and the possessions in your home are safe. Especially if you have a great amount of coverage, you just know your home and possessions are covered no matter what. However, there may be some natural disasters and other situations that may not be covered in your homeowner’s policy. Thus, it will behoove you to make sure you are covered at every angle. And if you live in Texas, you may be surprised that natural incidences, like windstorms and hail, may not be covered in your policy. 

Things that Home Insurance May Not Cover

Whether you live in Austin, TX or another area in Texas,  insurance regulations, which are subject to change sometimes, are governed by the state.  Having said this, it is crucial to contact very reliable, trustworthy, and experienced insurance professionals, and Ty Lawrence Insurance Agency is the one to turn to.  

Every homeowner policy is not rated the same. Some may have extra coverage; however, it still may not adequately cover all that is needed: The following includes some surprising things that are not covered by home insurance: 

  • Floods

Flood damage is not covered by standard homeowners insurance. For insurance purposes, a flood is defined as water that enters the home from outside at ground level

  • Wind Damage- in some cases, additional coverage may be required for wind damage especially in areas with high risk of tornadoes or hurricanes. 
  • Expensive Personal Property
  • Prescription medicine
  • Wear and Tear
  • Family Pets
  • Home Businesses
  • Injuries of Family Members
  • Preventative Maintenance- this is when/if the incident is deemed to be prevented by maintenance. 

Conclusion

Many homeowners don’t know that incidents, such as windstorms, hail, and floods, are not usually covered in their homeowners’ policies.  Contact Ty Lawrence Insurance Agency today. Located in Austin, TX, they have been serving central Texas for over 20 years now, so they know the ins and outs in regards to homeowners’ coverage and more.