You rely on your home insurance policy to protect the items you care about most and the safety of your family. However, certain situations can actually invalidate your insurance and cause your claim to be denied. Below are a few of those situations and how denials can be avoided. 

Why Might My Home Insurance Be Invalidated?

1. Using Your Home for Business Purposes

Home businesses are a great way to earn money and keep costs low, but they can have a negative impact on your insurance. For example, if your expensive work computer is damaged and you make a claim to your insurer, that claim may be denied. Read your policy before starting your business and contact your insurance agency if you have questions. 

2. Leaving Your Home Empty for an Extended Period

Are you planning an extended vacation or business trip? Get in touch with your insurer to ask how long your home can be unoccupied. In many cases, homes that are unoccupied for a month or more don’t have insurance coverage during that time period. In some cases, it may be acceptable to have a family member stay in your home while you’re gone, but this typically depends on the details of your policy. 

3. Making Renovations

Home insurance costs are calculated on a number of factors, including the square footage of your home and the value of fixtures. If you make upgrades, both of these factors will change, which can impact your insurance coverage. Make sure your insurer is aware of any planned changes before they occur so you can adjust your coverage accordingly. 

4. Neglecting Your Home

Home insurance protects against a sudden and unexpected occurrence. A burst pipe would fall into this category, as would a fire breaking out in your kitchen. Water damage from a long-neglected leaking pipe will most likely not be covered since damage could have been prevented. The same can be said of neglected roof repairs. If you fail to remedy an issue and it causes more damage, your claim will probably be denied. 

Are you in the market for a new home insurance policy? If so, Accredited Insurance Group, Inc. in Omaha, NE, is happy to answer your questions. This independent agency has more than three decades of experience, which means they find clients suitable policies at affordable prices. They’re also committed to providing one-on-one attention to their clients, whether you’re signing up for a policy or making a claim. Get your personalized quote today by calling (402) 334-1780. You can also visit the website to learn more about home coverage.