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Introduction

If you’re shopping for homeowners insurance, you might be surprised to learn that some important possessions are not covered. What do I mean by “important”? Well, let’s take a look at flooding and earthquakes.

Homeowners insurance helps protect your home and the things in it from some of life’s risks. But what does that mean for you? You might be surprised to learn that some important possessions are not covered.

Homeowners insurance helps protect your home and the things in it from some of life’s risks. But what does that mean for you? You might be surprised to learn that some important possessions are not covered.

  • Rental income
  • Business items inside a home office

1. Flooding

You might think you’re covered for flooding, but if your homeowners insurance doesn’t include that coverage, you’ll need to purchase a separate policy. Flooding is caused by storm water, snow melt and other water sources. If a river overflows its banks due to heavy rainfall or if there’s an irrigation mishap on your property and the water flows into your home through gutters or windowsills—both of which can lead to costly damage—your homeowner’s policy won’t cover this kind of flooding.

This type of flooding isn’t the only type of inundation that homeowners’ policies don’t cover: They also exclude sewer backups and drainage issues caused by clogged pipes or poor design features in new construction (such as inadequate drainage). If you believe your home has been affected by any of these conditions in recent years and want protection against future events like them occurring again, consider purchasing a flood insurance policy from FEMA (the Federal Emergency Management Agency) before disaster strikes next time around!

2. Earthquakes

Earthquakes are not covered by homeowners insurance. If you live in an area that is prone to earthquakes, you should make sure that your homeowner’s policy has a specific endorsement for earthquake coverage. Some states require homeowners insurance to include earthquake coverage or else the policy will be invalidated if there is an earthquake.

Find out which kinds of natural disasters aren’t covered by homeowners insurance.

If you’re a homeowner, it’s easy to assume that your home insurance will protect against all kinds of natural disasters. Unfortunately, there are many types of disasters that aren’t covered by homeowners insurance. You’ll need to look at other options if you want protection in case one of these events happens in your area:

  • Flooding
  • Earthquakes
  • Tornadoes and hurricanes (hurricanes include typhoons)
  • Hail
  • Electrical fires and lightning strikes that cause smoke damage or harm the home’s structure or contents

Conclusion

As you can see, there are some important things that homeowners insurance doesn’t cover. If you’re looking for ways to protect yourself from these risks, be sure to talk with an agent so they can help find the right policy for your needs.

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