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What Your House Insurance May NOT Cover

What Your House Insurance May NOT Cover
While most people don’t expect to file a house insurance claim, when they need to, many assume that “everything’s covered”.  

Sadly, this is not true. This is one reason why it’s essential to discuss with your insurance professional your specific needs, so you’re not left with gaps in your coverage.  

A standard house insurance policy details exclusions and limitations. Exclusions are not covered at all by your house insurance policy, and while insurers vary on excluded items, they may include: 

  • China and glassware
  • Collectables and fine art
  • Silverware and antiques 
Coverage limitations may exist for the following items – meaning that they may be somewhat covered, but to a pre-determined and possibly insufficient amount: 

  • Sporting equipment (such as bikes, kayaks and golf carts)
  • Jewelry, watches and furs
  • Wine collections
  • Electronic data and computer software
  • Landscaping, patios, decks, pools and hot tubs 
The examples above are that only; examples. Coverage varies between insurance providers; therefore, everyone needs to review their individual policy. Imagine the devastation of your home being burglarized or destroyed by fire or flood and then learning many of your valuable possessions are simply not covered! 

We recommend reviewing and documenting the contents of your home and comparing their replacement value with the details in your insurance policy. 

If you want to feel absolutely confident that your possessions are covered in the event of theft or damage, please reach out to us for a review: 519-736-8228