Voi Insurance Solutions, LLC asks, Whats Not Covered?
Home insurance is a necessity for homeowners in California. However, many people pick up a homeowner’s policy without fully understanding what their policy will and will not do. At Voi Insurance Solutions, LLC in Glendale, CA, we want you to have a full understanding that there are some things your basic home insurance policy may not cover.
Broad Form and Special Form
The most basic home insurance policy, sometimes called “broad form,” typically includes a certain number of perils. A step up from that, the “special form,” will extend that coverage to just about everything except specific hazards. Be sure to ask your agent for more details on what this means, and how it affects you.
Exclusions to Coverage
Earthquake damage – Often, insurance won’t cover earthquake damage. This exclusion can include other earth shifting activity, such as landslides, mudslides, and sinkholes.
Flood damage – Many insurers offer flood coverage separately. Floods can come from weather, proximity to water sources, sewage backups, and various other sources.
Mold – Home insurance may have some provisions for mold, but the stipulations can vary. For example, if the mold appeared because of something your insurance does cover, then the insurer may pay for mold cleanup.
Insect infestations – If termites invade and wreck the structure of your home, your insurance may not help you. Usually, it’s a home maintenance problem.
Home maintenance – If your home starts to fall into disrepair due to a lack of maintenance, then your home insurance won’t help. It’s your job to keep your home in good shape; it’s the job of insurance companies to assist you if accidents and unforeseen occurrences damage your home.
Pay Attention to Your Personal Home Insurance Needs
There are far more things an insurer may not cover in Los Angeles or Glendale, CA. You should pay attention to your policy and ask questions about specific things you may be affected by or that have a possibility of occurring. Contact Voi Insurance Solutions, LLC to discuss tailoring your home insurance to your specific needs. For quotes from home, try our online rating tool on our main page.