Homeowners insurance protects you and your family from financial responsibility in case your home suffers damages from an accident. While most insurance provide comprehensive coverage, there are certain events that require a supplemental policy. To help you decide whether you need additional policies to cover everything you want, here are some instances when your homeowners insurance may not automatically kick in.

What Damages Does Homeowners Insurance Not Pay For?

1. Natural Disasters

What’s covered by your homeowners insurance will vary depending on your agency and policy, but most don’t cover natural disasters that are common in your area. If you want coverage for hail, earthquakes, hurricanes, floods, tornadoes, and wildfires, you may need to purchase supplemental policies. To decide what to cover, consider the area you live in and what disasters are likely to occur, such as getting earthquake coverage if you live near a fault line.

2. Mold & Pests

Since these are seen as preventable incidents, your insurance may not cover mold or pest infestations. The former is caused by high humidity levels, common in states like Georgia, but can be prevented with a dehumidifier and by repairing leaks in your home. Pests such as rodents can also cause damage to your home and belongings, but can be avoided by keeping your home clean and sealed from the outside.

3. Trampolines & Pools

Both of these structures are seen as liability issues by insurance companies, as they can cause accidental injuries and death. For this reason, standard policies don’t cover incidents that happen in pools, leaving you responsible for paying for any associated medical bills, pain and suffering, and time off work following an accident. When purchasing homeowners insurance, inform your agent of your pool to include supplemental coverage if necessary, which will ensure you aren’t responsible for any harm caused to you, your family, or neighbors. 

If you need new homeowners insurance or a supplemental policy for your current coverage, the team at Dozier Insurance Agency in Dawson, GA, can help. While they specialize in auto insurance, they also offer home and liability policies and supplemental coverage. Catering to modest budgets, they offer low monthly and down payments to give everyone a chance to be insured. Learn more about their services online, and call (229) 995-2040 to schedule a consultation.