Purchasing homeowners insurance is a smart investment that protects your house, belongings, and family. However, it doesn’t necessarily cover any obstacle that may be thrown your way. As such, homeowners should review the terms of their policies closely to see if there are any notable exclusions. Here are just a few events that the average policy typically won’t cover, so you can be better prepared for the unexpected. 

What Homeowners Insurance Doesn’t Cover 

1. Sewage Backups or Sump Pump Overflows 

If the sewer system backs up, your homeowners insurance policy is unlikely to cover the resulting damage. Depending on the extent of the problem, repairs could cost tens of thousands of dollars. Thankfully, you can purchase additional coverage if you’re concerned about such a catastrophe. This coverage will pay for damage if water backs up into your home through a sewer, drain, or overflowing sump pump. 

2. Remodeling-Related Damage 

If you decide to renovate your home, make sure to hire a fully licensed and insured contractor because your own policy will likely not cover any damage the workers cause. Those who are planning a major remodel can purchase additional coverage for damage that may result, but it’s still wise to hire a reputable company to perform the work. 

3. Natural Flooding 

You may assume your insurance covers flooding if the policy mentions water damage. Typically, though, homeowners insurance only covers water damage caused by issues like plumbing emergencies and leaking roofs. As a result, mortgage lenders usually require borrowers to purchase a separate flood policy if they live in a designated “flood zone.” However, if you live in an area prone to hurricanes, it’s wise to purchase flood coverage regardless of the zone it’s in. 

To protect your house against the unexpected, turn to Schaller & Thomas Insurance Agency. Founded in 2001, this fully licensed agency can help you find an affordable homeowners insurance policy, as well as any supplemental coverage you may need. Based in Peoria, AZ, they’re proud to serve clients throughout the West Valley. To start comparing quotes, visit their website or call (623) 580-8688.