What’s Not Covered by Home Owners Insurance?

 Homeowners insurance has the ability to create real peace of mind. It provides protection for your home’s structure, your personal items, and provide legal protection in terms of liability as well. However, not everything is covered by homeowner’s insurance. As a homeowner, it’s just as important to know what’s not covered by this type of insurance. 

Natural Disasters
There are some natural disasters covered under homeowner’s insurance. However, homeowners should make note of the fact that flooding and earthquakes are not covered natural disasters. As a result, if you live in an area prone to earthquakes or flooding, you may want to seek additional coverage for these situations.  Commonwealth Insurance Center of Williamsburg VA understands that fully understanding what’s covered and what’s not can be a little confusing. Other specific questions regarding natural disasters can be addressed by one of our insurance agents. We’re here to offer guidance. 

Other Uncovered Situations
Some homeowners may be surprised to learn that damage and erosion caused by general wear and tear, aging, and rust rot and mold, aren’t covered under a homeowner’s policy. Also, damage caused by termites, rodents, birds, and insects aren’t covered. Smoke and smog damage from industrial or agricultural processes, as well as defective or poorly made materials associated with your home, aren’t covered areas either. One of our licensed insurance agents can walk you through what’s covered as well as what’s not to help you make the best insurance decisions regarding your unique situation. We can also suggest additional insurance or specialized insurance if you need it. Commonwealth Insurance Center of Williamsburg, VA invites you to visit us online or give us a call. We’re here to answer questions and guide you in the right direction.