Homeowners insurance helps to protect your home and valuables against many unexpected occurrences. However, it doesn’t cover everything. Learning what is not covered will help you decide which add-on or rider policies to buy, depending on your needs. Zimmerman Insurance Agency of High Point, NC, is always here to help you set out the must-haves from optional coverage.

Here is a list of three items that homeowners insurance does not cover:

• Movements in the Earth: Home insurance policies typically do not cover movements in the earth. This may be an earthquake or a mudslide. Unfortunately, movements in the Earth can be costly and damaging, so you want to have some type of coverage if you live in an area prone to these issues.
• Floods: Flooding is not always covered by insurance policy. Flooding that occurs due to excessive rain is not covered. However, if you have a pipe burst and a flood occurs, this may be covered. An insurance service can explain to you what flooding is covered and which types are not.
• Expensive Possessions: Most insurance policies limit the value of the items they will replace in the event of a disaster. If you have expensive jewelry, art work, antiques or other valuable items, you may need a separate insurance policy to cover the full value of these items in the event something happens to them in your home.

While homeowners insurance does not cover these items, an insurance broker can help you buy add-on policies that will cover these items, fully protecting your home and valuables. When you’re ready to explore your insurance options, call Zimmerman Insurance Agency in High Point at (336) 883-6512. Visit their website for information on all of their policies, including auto and life insurance.