Ask Your Insurance Agent If Your Homeowners Insurance Policy Covers These Four Things

Posted on: 24 March 2017

If you have homeowners insurance, you may think you are completely covered no matter what happens.  Unfortunately, this is likely not the case. Below are four areas of coverage you should ask your insurance company about.


Your insurance company may not automatically cover earthquake damage even if you live in an earthquake zone. Even a small earthquake can cause a lot of damage to a home. If you add this coverage to your policy and an earthquake damages your home, your insurance company may even help cover costs if you have to stay in a hotel while your home is being repaired.

Backed Up Sewer

If you own your home and it has a sewer, it backing up into your home is a nightmare. Heavy rain, busted pipes, and tree roots growing into the pipes can cause sewer backups and other damage.

Once there is any kind of damage, you will notice your toilets overflowing, flooding in your basement, and more. All of this could damage carpeting, walls, floors, furniture, and electrical systems. These things would be difficult for you to repair on your own and you would have to hire professionals, so make sure that your homeowners insurance cover a backed up sewer.

Events That Happen Simultaneously

It is possible that your home could sustain two types of damage at the same time, such as basement flooding and roof damage due to high winds. This is known as anti-concurrent causation. For example, if you currently do not have flood insurance, but your insurance does cover wind damage, your insurance may not cover either event if your home were to have both types of damage.

Rebuild of Your Home

If you have to completely rebuild your home due to damage, such as from a tornado, your insurance company may not cover the entire costs of this rebuild. This is because you may have a cap on what they will cover. Check the cap on your policy and do some calculations to make sure it is enough to cover a complete rebuild of your home.

Make an appointment with an insurance agent like those at Blue Lion Insurance Advisors, LLC to go over your coverage. They can determine if you have these and help you make some changes. This will increase your premiums, but the money will be well worth it if you were to have any of these problems with your home.