The standard home insurance policy offers protection against a broad range of perils, including everything from hailstorms to theft. However, not all situations are covered, and many are specifically excluded unless you supplement your policy. To help you stay protected from all events, here are some of the damages your current policy may exclude. 

4 Perils Excluded From Most Home Insurance Policies

1. Earthquakes

While many people think earthquake coverage is included in home insurance, in most instances it is not. If you live along fault lines, purchase earthquake insurance to ensure you’re protected in case of the unexpected.

2. Flood

Floods are one of the most destructive natural disasters, with the potential to destroy your home and everything in it. Almost all damage caused by rising groundwater is excluded from the standard homeowner’s policy. If you live in a high-risk area, purchase additional flood insurance to protect you and your belongings.

3. Attractive Nuisances

Since pools and trampolines tend to attract neighborhood children, home insurances don’t cover accidents that happen on them. This means that if someone gets injured in your backyard, even if you didn’t consent to use or aren’t around, you’ll be held liable. If you have these features in your property, inform your insurance agent, as this may affect the rate of your policy.

4. Some Dog Attacks

A dog can inflict damage that can result in thousands of dollars in medical bills. While home insurance will usually cover these costs, some breeds are excluded from protection because they’re considered high-risk. If you have a German shepherd, husky, pit bull, or another large breed, ask your agent if they’re covered under your policy or if you need additional protection from liability.
 

If you want additional home insurance coverage for any of the above, call Edwards Insurance Agency in the Sparta, WI, area. For over a century, their friendly agents have helped homeowners identify coverage gaps and obtain peace of mind. They help you customize your policy from various companies to find the package that works best for you. Visit their website for more on their options and services, or call (608) 269-4512 to request a free quote.