What Does Homeowners Insurance Cover? Allstate from www.allstate.com
Introduction
As a homeowner, it is important to have insurance coverage to protect your property from various risks such as theft, fire, and natural disasters. However, not all areas of your home are covered by homeowners insurance policies. This article will highlight the areas that are not protected by most homeowners insurance policies.
1. Floods
One of the most common areas not covered by homeowners insurance is flood damage. If your home is located in a flood-prone area, you will need to purchase a separate flood insurance policy to protect your property from flood damage.
What is Covered by Flood Insurance?
Flood insurance typically covers damage caused by rising water from rivers, lakes, and oceans. It also covers damage caused by heavy rain, mudslides, and other similar events.
2. Earthquakes
Another area not covered by most homeowners insurance policies is earthquake damage. If you live in an earthquake-prone area, you will need to purchase a separate earthquake insurance policy.
What is Covered by Earthquake Insurance?
Earthquake insurance typically covers damage caused by earthquakes, including structural damage, personal property damage, and additional living expenses.
3. Sewer Backup
Most homeowners insurance policies do not cover damage caused by sewer backups. If you experience a sewer backup, you will need to pay for the damages out of pocket or purchase a separate sewer backup insurance policy.
What is Covered by Sewer Backup Insurance?
Sewer backup insurance typically covers damage caused by sewer backups, including cleanup costs, repairs to your home, and replacement of damaged personal property.
4. Mold
Mold damage is not typically covered by homeowners insurance policies. If you experience mold damage, you will need to pay for the damages out of pocket or purchase a separate mold insurance policy.
What is Covered by Mold Insurance?
Mold insurance typically covers damage caused by mold, including cleanup costs, repairs to your home, and replacement of damaged personal property.
5. Termites
Most homeowners insurance policies do not cover damage caused by termites or other pests. If you experience termite damage, you will need to pay for the damages out of pocket or purchase a separate termite insurance policy.
What is Covered by Termite Insurance?
Termite insurance typically covers damage caused by termites, including repairs to your home and treatment for termite infestations.
6. Acts of War
Acts of war or terrorism are not typically covered by homeowners insurance policies. If your home is damaged due to an act of war or terrorism, you will need to pay for the damages out of pocket or rely on government assistance.
Conclusion
In conclusion, it is important to understand what areas are not protected by most homeowners insurance policies. By purchasing additional insurance policies or taking preventative measures, you can protect your home from a variety of risks and avoid costly out-of-pocket expenses.
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