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Your homeowners insurance coverage questions answered.

Just because you have homeowners insurance doesn’t mean that you understand the extent of your coverage.  Oftentimes, homeowners get into trouble because they assume their insurance covers more than it actually does.  To ensure that you don’t make poor decisions, here are some of the most common homeowners insurance coverage questions answered.

Does home insurance cover theft?

Homeowners insurance covers theft both inside and outside your home.  For instance, if someone broke into your home and stole your television, then you would have coverage to replace your television and repair the damages the burglars caused.  If you were robbed while you were out traveling, then your home insurance would also cover the cost of replacing the stolen items.

However, homeowners insurance will only cover your belongings up to a certain coverage limit.  So, if you own items whose value exceeds these limits, then they will not be covered by your policy.  You can secure additional coverage for high-value items through policy endorsements or by securing specialty policies for specific items.

Does home insurance cover tree damage?

If a fallen tree damages your home, then you will have coverage if a sudden and accidental peril was the cause of the tree falling.  For instance, if a windstorm knocked over a healthy tree, then your insurance would cover the damage that the tree caused.

However, you will not have coverage for fallen trees if the tree was already damaged or unhealthy prior to the fall.  This is because the fallen tree would be a result of your negligence and failure to care for the tree.  Additionally, if a flood or earthquake causes a tree to fall, then you will not have coverage because these perils are excluded from standard home insurance policies.

Does home insurance cover dog bites?

Typically, your home insurance will provide coverage if your dog bites someone on or off your property.  However, there are three main coverage exclusions:

  • Your home insurance will not cover dog bites to someone covered under your policy (you or the immediate family members living in the household).
  • Your insurance provider may exclude your dog from coverage if they have a history of biting.
  • Your insurance provider may exclude your dog from coverage if it is considered “high-risk.” Certain breeds, such as pit bulls, Doberman pinschers, rottweilers, German shepherds, Siberian huskies, and so on are typically labeled “high-risk” by home insurers.

Does home insurance cover roof leaks and damage?

Your home insurance will cover roof leaks depending on the cause of the leak.  If the leak is the result of sudden, accidental events, then you have coverage.  For instance, if your roof starts to leak due to falling trees, windstorms, hail, vandalism, or so on, then you will have coverage for repairs.

Roof leaks are not covered when they are the result of gradual deterioration and lack of maintenance.  For instance, your home insurance will not offer coverage if a roof leak is caused by the following:

  • Age
  • Mold, fungus, or wet rot
  • Deterioration
  • Neglect
  • Inadequate maintenance
  • Birds, vermin, rodents, or insects

These are some of the most common homeowners insurance coverage questions answered.  Do you have additional questions about your homeowners policy?  If so, then contact the experts at Promised Land Insurance Group.  We are ready to assist you with all your home coverage needs today.

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