While most homeowners focus on the coverage provided in their policy, it’s equally important to be aware of what isn’t covered. Home insurance exclusions can leave you vulnerable to unexpected losses. At Commerce Insurance Agency of Commerce, GA, we offer complete coverage to help safeguard your property.

What are Home Insurance Exclusions?

Home insurance exclusions are specific events, circumstances, or types of damage that a standard home insurance policy does not cover. Common exclusions include:

Natural Disasters

Many policies do not cover damage caused by certain natural disasters, such as earthquakes, hurricanes, and floods. Separate policies may be needed to cover these events.

Maintenance Issues

Lack of maintenance, such as neglect or excessive wear and tear, may be excluded. This may include issues like mold, mildew, and pest infestations.

Certain Personal Property

While most standard homeowners insurance policies cover personal belongings, specialized items may not be covered. This is most commonly seen with high-value items like fine jewelry, electronics, art, or collectibles. Additional coverage or endorsements may be necessary for these items.

Intentional Damage

If any damage to your home was found to be intentional, it may be excluded from coverage. This includes damage caused by the homeowner or anyone living in the house.

Liability for Specific Situations

Certain liability situations, such as dog bites from specific breeds or injuries that occur in certain areas (e.g., trampolines or pools), may not be covered without additional liability insurance. Your Commerce, GA insurance provider can help determine your liability needs for specific situations.

Stay Protected with Home Insurance

Understanding home insurance exclusions is important for every homeowner looking to protect their assets and property. Contact Commerce Insurance Agency today to see how the right policy can protect your property.