Many homeowners, unfortunately, assume that their home insurance policy offers comprehensive coverage, only to find when they go to file a claim that those specific damages aren't covered. In fact, the standard home insurance policy doesn't protect against some of the most destructive threats your home might face, according to the specialists at San Marcos Insurance Agency, Inc.
You might be surprised to find that your home insurance policy doesn't cover:
- Movements Of The Earth: In just a matter of moments, an earthquake or sinkhole can destroy your home and everything you own. Unfortunately, coverage for these disasters must be purchased separately, so speak with an insurance agency to determine whether you have enough earthquake insurance for your area.
- Flood & Water Damage: As the catastrophic flooding in Baton Rouge this year shows, you don't have to live in an official flood zone to lose everything to rising waters. Some other types of water damage are also excluded, requiring coverage under an additional flood insurance policy.
- High-Value Possessions: Your home insurance policy will compensate you for theft and vandalism, but there are limits to what you can claim. If you own very expensive jewelry, high-end electronics, or valuable pieces of art, the coverage limits may not be enough to make you whole if the unexpected were to happen. Fortunately, your insurance agent can find additional coverage, helping make sure the most important things in your life are protected.
For over 15 years, San Marcos Insurance Agency, Inc.'s agents have been helping homeowners get the high-quality policies they need, usually at the best rates in the industry. Through their wide network of carriers, they offer everything from business to home insurance policies. Visit their website or call (512) 754-7119 to make an appointment today.