Things Your Home Insurance Does Not Cover

Home insurance is absolutely essential for every home, and it covers many issues that can occur in a home. But there are also some issues that home insurance does not cover, and at Epic Insurance serving Lees Summit, MO, we want you to know what they are. Here are some problems that your home insurance policy probably does not cover.

Floods

Floods can happen quickly and be absolutely devastating to a home and its contents. But many home insurance policies do not cover floods. You would have to get flood insurance. Check to see whether your local conditions mean it makes sense to get flood insurance.

Mold

Mold can result from floods or any type of water damage. There are numerous species of mold, and they can seriously destroy a home and all of your belongings. But a typical home insurance policy does not cover mold damage.

Termites

A standard home insurance policy in many cases does not cover issues like termite infestation or problems caused by various rodents and insects. Take precautions so you will not have an issue like this that could cost you large amounts of money.

Sewer Issues

If you have a sewer system in your home, you need to be well aware that your typical home insurance policy probably does not cover issues resulting from the sewer backing up. Take the necessary precautions to avoid unpleasant problems that could result from a sewer backup.

Check on your policy to see what exactly it covers. Review that information, and make any changes to your insurance coverage based on what you find out. For example, consider purchasing flood insurance if you do not already have it. If you need more information about home insurance, we’re happy to help. Contact Epic Insurance serving Lees Summit, MO today.