One of the best ways to protect your home and prepare for negative scenarios is to secure a home insurance policy. However, a standard plan may not take care of all your needs. At Phil Taylor Insurance Agency in Clarksville, AR, their professional team will customize a policy specifically for your home. Find out what activities, property types, and damages are not included in a standard policy below.

Items Not Covered by a Home Insurance Policy 

Motor Homes & RVs

If you are living in a mobile home or RV, you need a much different insurance policy. Standard home insurance does not cover these homes as property. Instead, most fall under the domain of RV insurance.

Commercial Use of Your Home

If you start a small business or work from home, call your insurance agency and add commercial coverage to your policy. Any damage or loss related to your business will be excluded from a home insurance claim. This includes damage caused by a business-related accident, or damage to inventory or tools used in your business.

Irregular Hazards

Some forms of damage and disasters are not automatically covered by a home insurance policy. Certain hazards may or may not constitute a serious risk depending on your location, but others should be added to your policy regardless. The most common exclusions include:

• Termite infestations
• Nuclear plant accidents
• Sinkholes
• Sewer backups

If your home has special insurance needs like those above, call Phil Taylor Insurance Agency at (479) 754-2616 today. Their team of friendly and experienced agents has been providing a comprehensive range of insurance policies and packages to the Clarksville, AR, area for over 50 years. They will help you build a policy that delivers the protection your home deserves. You can also visit their website to obtain a free quote on a home insurance policy that incorporates all the necessary details.