Feb 15 Look Out for These Gaps in Your Homeowners Insurance

Look Out for These Gaps in Your Homeowners Insurance

Be wary of coverage gaps in your homeowners insurance.

While many homeowners assume that they are completely covered under their homeowners insurance, this isn’t always the case.  In fact, there are many common coverage gaps in standard home insurance policies.  Make sure you have all the protection you need by watching out for these common gaps.

  • Pets

While you might love your pet, many insurance companies do not feel the same way.  In fact, many insurers refuse to cover certain “dangerous” dog breeds.  Make sure you check your policy to see if your four-legged friend is covered.  If not, you might have to take out a separate policy to ensure that you are covered for pet-related liability issues.

  • Home-Based Business

If you are running a business out of your home, a standard homeowners insurance policy will not be enough to cover all of the factors related to your business.  You will need to add on a policy rider or get a completely new policy to protect the supplies, equipment, inventory, employees, and customers related to your business.

  • Natural Disasters

While your homeowners insurance will cover the damage caused by most serious weather events, protection against certain natural disasters requires separate policies.  For instance, you will need a separate policy to protect against flooding and earthquakes.  If you live an area prone to either of these risks, make sure you have the right policies to protect your home.

These are some of the common coverage gaps you should look for in your homeowners policy.  Do you have more questions regarding your home insurance coverage?  Then don’t hesitate to contact us at Weeks & Associates Insurance Services.  Located in Thousand Oaks, California, our dedicated team is ready to assist you with all your insurance needs.

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