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    • Types of Insurance
    • Homeowners
    • Types of Coverage
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Home » Coverage Exclusions

Coverage Exclusions

Homeowners insurance typically provides coverage for events such as fire, windstorms, lightning, theft, vandalism, and liability coverage in case someone is injured on the property and sues for damages. However, there are exclusions that may not be covered, such as damage caused by floods, earthquakes, mold, termites, roof replacement, or normal wear and tear. While some homeowners may be fine with typical plans, others may want additional coverage or policies for peace of mind.

    Page Topics:
  • Understanding Your Insurance Policy
  • Coverage Exclusions
  • Deductibles & Costs
  • Policy Language Explained

Understanding Your Insurance Policy

Determining just how much homeowners insurance you need is the first step before choosing a plan. You’ll want to consider your home’s replacement cost, personal belongings, liability coverage needs, and the potential risks in your area.

While it’s important to have sufficient coverage, you also don’t want to overpay for excessive insurance either. You may be able to negotiate with your insurance company for a more affordable price, discount, or cost-effective bundle.

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Coverage Exclusions

Homeowners insurance exclusions are specific circumstances that are not covered by your policy. While policies can vary, common exclusions typically include damage caused by floods, earthquakes, normal wear and tear, mold or wet rot, pests, nuclear hazards, and intentional acts of destruction.

You’ll want to review your homeowners insurance policy to identify these exclusions, as they can help you prepare for potential gaps in coverage and consider supplementary insurance options or risk mitigation strategies for scenarios not included in your standard policy.

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Homeowners Insurance Exclusions

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Homeowners Insurance Coverage Gaps to Know About in 2023

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Deductibles & Costs

Homeowners insurance deductibles represent the amount you must pay out of pocket before your insurance provider covers the remaining costs of a covered loss like damage to your home or belongings. These deductibles can vary, typically ranging from $500 to $2,500. Opting for a higher deductible can often lead to lower monthly premiums, while a lower deductible results in higher premiums.

  • How Deductibles Related to Your Homeowners Insurance Coverage

Ambiguous Policy Language Explained

Homeowners insurance companies often employ ambiguous or complex language in their policies, which can pose challenges for policyholders trying to understand their coverage.

The good news, however, is that now, any ambiguity in policy language is now legally required to be interpreted in favor of the policyholder and their coverage.

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