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Insurance can be frustrating. You file a claim only to find out that your policy doesn’t cover it. What have you been paying for?!

Here are three common policy exclusions that you may not have realized leaves your home uninsured:

  1. Service Lines
    A standard homeowner’s policy will not cover a service line (i.e. irrigation pipes) that is damaged. If the roots of that beautiful tree in your yard damages an underground service line, you may be surprised to find out that your homeowner’s policy won’t cover the cost to repair or replace it.
  2. Water Damage
    If caused by natural flooding, sewer/sump pump backups, or water seepage is commonly not covered in your standard homeowner’s policy. That sump tank or well? Not included as well.
  3. Maintenance Issues
    Damage related to maintaining your home, and normal wear & tear is typically not covered by your policy. When that old water heater you’ve been meaning to repair finally goes out you are going to be left with the bill to for a new one.

Understanding your insurance policy is vital to knowing where you are left uncovered. Working with an independent insurance agent that can explain your coverage to you in easy-to-understand terms will save you from headaches in the future. Reach out to us today to review your policy and make sure you aren’t surprised in the future.

*Always be sure to consult with your insurance agent to understand your policy best. Policies may differ.