What is NOT Covered by Your Homeowner's Insurance? | Essential Homeowner Tips

Welcome to my channel! In today's video, we're discussing some common issues that are typically not covered by your homeowner's insurance. Understanding these exclusions can save you from unexpected expenses.
What is NOT Covered by Your Homeowner's Insurance?
1. Floods: Standard homeowner's insurance policies typically do not cover floods. If you live in a flood-prone area, consider purchasing separate flood insurance.
2. Earthquakes: Earthquake coverage is usually not included. This type of coverage is necessary if you're in a high-risk area.
3. Mold: Mold remediation can be very expensive, and most policies do not cover it. Mold often follows excessive moisture, so assess your risk and talk to your insurance agent.
4. Termite Damage: Separate coverage is usually needed for termites and other pests. Regular maintenance can help minimize this risk.
5. Neglect or Lack of Maintenance: Homeowners' insurance generally won't cover repair costs due to neglect or poor maintenance.
6. Sewer Backup: Sewer backups are usually not covered by standard policies or flood insurance. However, this can often be added to your main policy.
It's crucial to speak with your insurance agent about your coverage to ensure you're fully protected.
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