Homeowners insurance protects your house and personal belongings against unexpected events, but it doesn’t cover maintenance issues or any damage due to wear and tear. Keeping your house well-maintained and taking care of any issues as soon as possible should always be a top priority for Florida homeowners. Staying proactive with maintenance will often boost the lifespan of household items and appliances while saving you money over the long term.
Other Options to Consider
Most appliances offer their own product warranty for a year, as you can usually receive a new appliance through the warranty if you experience any problems. An extended warranty can also be purchased, as it will often extend the warranty a few more years. In addition, some insurance providers offer equipment breakdown coverage to cover any losses related to mechanical or electrical breakdowns. Improper installation is also covered, but it’s important to remember that this insurance policy won’t cover any losses due to maintenance problems or everyday wear and tear.
Common Things Not Covered by Homeowners Insurance
Understanding what’s not covered by most homeowners’ insurance policies is important before trying to make a claim. Learning about the details of your policy is key to avoiding many of these problems while saving you a lot of time. Reaching out to your insurance agency is always a good idea if you have any questions or concerns.
Here are a few things to remember about homeowners insurance.
Roof Maintenance
A homeowners insurance policy will cover roof damage due to a storm, but it most likely won’t cover the expense of repairing a leaky roof. It’s often difficult to determine the cause of a roof leak, as it’s often due to years of wear and tear. Staying proactive by inspecting your roof on a regular basis is important in finding and repairing these leaks as soon as possible before it gets worse and leads to additional damages.
Plumbing Issues
Another important thing to remember is that sudden water damage due to pipes bursting or faulty plumbing is typically covered by most homeowners insurance policies. However, gradual water leaks or a lack of maintenance may cause your claim to be rejected. Taking the extra time to keep your plumbing well-maintained is essential in avoiding most of these problems. A few examples of plumbing maintenance include cleaning the showerhead, repairing water leaks, insulating your water pipes, and unclogging blocked drains.
Pest Damages
Pest damage to your home is another important item to consider, as it’s usually excluded in most homeowners’ insurance policies. For example, termites can cause widespread damage to your house and lead to costly repairs. The best way to avoid this problem is to inspect your home on a routine basis for any signs of pests. Scheduling pest control services is also beneficial in taking care of any issues before they result in significant problems for your home.
What Does Homeowners Insurance Cover?
Purchasing homeowners insurance is important in protecting you against certain events, such as fire, lightning, hail, hurricane, and any other disasters listed in your policy. Most policies will also cover any detached structures, whether it’s your tool shed, garage, barn, or greenhouse. Standard policies will include coverage for the structure of your house, personal belongings, liability protection, and additional living expenses. On the other hand, a standard policy won’t pay for damages caused by flooding, earthquakes, or general wear and tear.
Why You Should Use an Agency to Find Homeowners Insurance
Working with an insurance agency in Florida is one of the best options for finding affordable homeowners insurance to meet your needs and budget. An agency will view insurance options from a wide range of carriers to ensure you find the best policy available. You can also reach out to them at any time if you have any questions or concerns about your insurance policy. These insurance professionals are more than happy to discuss the details of your policy to ensure you fully understand what is and isn’t covered on your homeowners insurance.
Contact Wellcovered Insurance for More Information About Homeowners Insurance
Wellcovered Insurance is one of the top insurance agencies in Florida working with clients in Seminole and Volusia County. Our agency partners with the leading insurance carriers to help you find the best homeowners insurance coverage to meet your needs while staying within your budget. We also offer personal lines insurance for automobiles, boats, motorcycles, condos, mobile homes, rental property, and much more.
Keeping our clients happy with our services is always our top priority, as we will return your phone call on the same day. You can also receive an auto quote in 15 minutes or less, and home quotes only take between one to two business days.
We also stay active in the local community, as we are a proud member of the West Volusia Regional Chamber of Commerce and the DeLand Breakfast Rotary.
Give Wellcovered Insurance a phone call today, or send us a message to get a quote for homeowners insurance in Florida!
