Home insurance can be a bit tricky for the average person, as they don’t fully understand what is and what is not covered in their policy. Reading through your policy on your own to figure it out can be challenging, especially if you don’t understand the lingo. At Blue Hen Insurance LLC in Middletown, DE, we’re here to help clarify these exclusions, allowing you to protect your home.

Common Exclusions to Be Aware Of

Home insurance policies typically cover a wide range of risks but don’t cover everything. For instance, most policies exclude damage caused by natural disasters like floods and earthquakes. You might need additional coverage if you live in an area prone to these events. Similarly, maintenance-related issues, like mold or pest infestations, are typically not covered, as they are preventable with regular upkeep.

High-Value Items and Liabilities

While your policy covers personal belongings, there are limits. High-value items such as jewelry, art, or collectibles often require additional riders to be fully insured. Without this extra coverage, you might not receive full compensation if these items are damaged or stolen. Additionally, certain liabilities, such as injuries from home-based businesses or specific dog breeds, might also be excluded.

How to Protect Yourself

To ensure you’re not caught off guard, review your policy thoroughly and discuss any potential gaps with your insurance provider. Understanding these exclusions can help you make informed decisions about additional coverage. Regularly updating your policy to reflect changes in your home or lifestyle is also key.

At Blue Hen Insurance LLC in Middletown, DE, we’re dedicated to helping you navigate these complexities. Contact us today for a detailed consultation, and let us help you safeguard what matters most.