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Bailey Insurance Ltd Blog

Things home insurance won’t cover

Your home is your safe place and keeping it a safe place requires the right home insurance policy. No insurance policy covers everything and home insurance is no exception. If you were expecting your home insurance to cover anything that could go wrong, you will be disappointed. It won’t but being forewarned is forearmed. If you know what isn’t covered you can take appropriate action to make sure you are not left out in the cold if something goes wrong. At Bailey Insurance LTD in Phoenix, AZ, we are a locally owned independent agency that represents the best carriers in the business. 

Owner neglect

The insurance company has an expectation that you are going to maintain your home. You should replace your roof before it leaks all over your interior, and you should do repairs so that no one gets injured. If you get termite damage your home insurance won’t pay for the damage, you should be getting pest control treatments to make sure you don’t get infested. 

Flooding

Flooding is probably the biggest surprise to most people, but it isn’t covered unless it is from a burst pipe inside your home. Floods cause untold damage all over the country every year and even as little as an inch of water can cause more than $20,000 in damage. While your home insurance won’t pay for flood damage you do have the option to get a separate flood insurance policy. If you live in a flood-prone area, your mortgage holder may require you to have flood insurance. 

Land movement

Earthquakes, mudslides, and sinkholes are all considered to be land movement. Land movement is excluded from most home insurance policies. As in the case of flooding, you can purchase a separate policy if you live in an area where you are at risk. 

Contact Bailey Insurance LTD in Phoenix, AZ when you have any home insurance needs or questions.