As a homeowner, you probably spent a lot of time selecting the right homeowner’s insurance policy to protect your home. However, even the best policies won’t cover every type of damage. The agents at Mid-Alliance Insurance Associates in Lincoln, NE, want you to be prepared.

What Homeowners Insurance Doesn’t Cover

1. Floods

While your homeowner’s insurance may cover water damage due to a broken pipe, it will not cover damage caused by floods or surface water. Sump Pump & Sewer Back Up Coverage may be covered by an endorsement to your homeowner policy. Flood insurance must be purchased from Insurance Companies under the US Government Insurance Program.

2. Insect Infestations

If you’ve ever had termites or bedbugs in your home, you know getting rid of the infestation can be expensive. However, your homeowner’s policy won’t cover the cost of hiring an exterminator, nor will it cover the costs to repair damage caused by the insects. This is considered routine maintenance, and, unfortunately, it’s up to you to cover the costs completely.

3. Earthquakes

Homeowner’s insurance won’t cover damage caused by unexpected ground movements from earthquakes, sinkholes, and other natural disasters. There are policies you can purchase to supplement your homeowner’s policy and protect your home from earthquake damage. Some homeowners policies may be endorsed for the peril of earthquakes, however, highly susceptible earthquake zones will require a separate purchase for eathquake coverage.

4. General Wear & Tear

As a homeowner, you’re responsible for the maintenance and upkeep of your home. This means your insurance policy will not cover the cost of repairs due to neglect or regular wear and tear. This damage may be covered by some manufacturer warranties but not your insurance provider.

Many insurance companies provide for premium discounts if the homeowner policy is combined with your automobile policy. The package, or combination of your home and auto policy, provides the most economic way to insure both assets, due to these discounts. For the most thorough and competitive quotes available, please contact the experienced, licensed, agents at Mid-Alliance Insurance Associates at (402) 421-7800 or visit them online,