Home Insurance Articles
Three Hazards Not Covered By Standard Home Insurance Quotes
2010-08-24
Typical homeowners insurance quotes do not cover some of the most common home hazards. Most home insurance quotes are based on the standard homeowners insurance that covers the basic structure from specific types of damage. Damage due to acts of god, nature, or poor maintenance requires extra insurance that can be purchased to supplement your standard homeowners insurance. To get an accurate quote that includes one of these supplemental insurance plans, you would need to request additional coverage when you fill out the form in order to receive your homeowners insurance quotes.
Floods and Earthquakes
Floods, earthquakes, hurricanes, and other natural disasters are not covered by standard homeowners insurance policies. If you receive damage from a massive storm, you are usually on your own to fund the majority of the repair work. In most cases, homeowners will never need the additional insurance coverage because the odds of being involved in a natural disaster are relatively high. Unfortunately, disasters do happen sometimes. The best way to make sure you have the right amount of coverage is to research the statistics for natural disasters in the area where you live. If there has been a history of flooding, for example, you may want to invest in some flood insurance for your home. If you live in an area that is prone to earthquakes, earthquake insurance is a good idea for you. Homeowners who live in the central United States do not need to worry about hurricane insurance, but they may need to invest in coverage for damage caused by tornadoes.
Mold Damage
Homeowners insurance does not typically provide coverage for some more common home hazards as well. Mold can happen in homes all over the United States, but is not included as a covered hazard in most homeowners insurance coverage. The older the home is, the more likely it will need to be treated for mold at some point. If you own an older home, you may find it to your financial benefit to research some homeowners insurance quotes that include mold and mildew coverage. Repairing mold damage can be a long, intense process that is very expensive if you do not carry the right insurance.
Insect Damage
There are several types of insects and animals that can cause serious structural damage to your home. None of the damage done by termites, birds, or rodents is covered by a standard homeowners insurance plan. These types of damage are considered maintenance issues that have to be dealt with by the homeowner before they become big problems. Homeowners insurance covers issues that are unavoidable to the homeowner. Insect and animal damage is considered controllable if the homeowner takes the proper precautions and maintenance measures.