SunGate Insurance Agency Blog
You might want to avoid using your homeowners insurance if you can, however accidents happen and there is a time when you’re going to have to file a claim. It’s good that you can rely on a quality insurance company to have your back when you’re strapped for cash. However, you need to know that with most homeowner’s insurance policies, not everything is covered.
Here are some of the things that are not typically covered by your standard homeowners policy.
Damages caused by termites.
Termites have long had a bad reputation among homeowners as one of the biggest sources of damage around the house. An infestation can be impossible to detect which can be scary for homeowners. They can enter your home through wood, paper and anything that they can eat. If you do some research, you will find that most insurance companies have no coverage for termite infestations.
To protect yourself from unwanted expenses, you can hire pest control experts to regularly check your home for all kinds of infestations. Remember, prevention is always better than cure.
Growth of mold.
Mold is fungi that grows inside and outside your homes over time. Not only is it bad to look at, it also brings health risks around the house. Most home insurance policies do not have or has a limit for mold coverage.
What you need to do is assess your area and check if you are at risk of having mold problems. If you feel like you need the extra coverage, you can go ahead and talk to an insurance agent about it.
Cases of sewer backup.
Harsh weather conditions such as heavy rain and wind can cause several damages around your home. This is why it's good to make sure that you are protected in all aspects. A sewer backup can happen to anyone, anywhere especially during heavy rains.
There are many reasons that causes sewer backup such as clogged tubes, faulty sewer lines and many more. If you want to make that you don’t find yourself in an unsanitary situation, then it’s best to have your home covered with sewer backup coverage. You can also choose to install a backflow valve for your sewer for extra protection.
Having a home business.
You may have made a big step in life and decided to quit your job to start your own home-based business. While this is a bold decision, you need to take care of the basics such as insurance. It’s easy to think that your business is also protected just because it is within the confines of your home, but this is not the case.
If you’ve already set-up your workstation and are ready to get going, talk to your insurance agent about possible coverage of your home-business. This is important especially if you are going to store your inventory in your home.
At the Sungate Insurance, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (407) 878-7979 or Click Here to request a free quote.