Standard home insurance and coverage for internal damages.

As a homeowner, you know that your insurance offers coverage for sudden, unexpected perils such as storms and theft.  However, can your policy also protect against damages that occur inside your home?  Here’s what you need to know about your home insurance and coverage for internal damages.

  • Damage Caused by Water

Your home insurance may offer coverage for water damage, depending on how the damage occurred.  For instance, if water damage is the result of an unforeseen issue, such as a burst pipe, then your policy will likely offer coverage.  Additionally, if water damage is caused by a faulty appliance, then your policy will probably cover the damage, but will not pay to repair or replace the appliance.  Water damage caused by neglect or gradual issues will not be covered by your insurance.  Water damage caused by sewer backup and floods is also excluded from coverage.

  • Damage Caused by Your Pets

Typically, your homeowners insurance will not cover any damage that your pet has caused to your home or personal belongings.  Most standard home policies specifically exclude coverage for damages caused by pets.  However, the personal liability portion of your home insurance will offer coverage for the damage or injuries that your pet causes to a third-party.

  • Damage Caused by Infestations

If your home sustains damage due to a rodent or insect infestation, then your homeowners insurance will probably not offer coverage.  This is because infestations are considered a result of the homeowner’s negligence.  So, if your home or belongings are damaged by pests, then this cost will come out of your own pockets.

This is what you need to know about your home insurance and coverage for internal damages.  Do you have additional questions about your homeowners insurance?  If so, then contact the experts at John E. Peakes Insurance Agency.  Our dedicated team is eager to assist you with all your coverage needs today.

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