Events Your Homeowners’ Insurance in Glendale, AZ, Might Not Cover

To protect your home, its occupants, and your belongings, having homeowners’ insurance in Glendale, AZ, is a necessity. Unexpected events such as fire, theft, vehicle damage, or bodily injury of a guest could occur at any time. You should never run the risk of being completely financially responsible if the unthinkable should occur. However, home insurance does not cover everything, and if specific disasters or events strike, your insurance provider will not cover the damages. These events include:

Floods

Flooding of any kind is not covered under standard home insurance policies; a separate policy for flood insurance must be purchased. This policy will likely be purchased through the National Flood Insurance Program, which is managed by the Federal Emergency Management Agency (FEMA).

Damage Due to Lack of Maintenance

If a home falls into disrepair due to neglect on the part of the homeowner, your insurance will not cover any damages that occur. This also applies to infestations from mold or pests that were invited by said lack of maintenance.

Earthquakes

Typical homeowners’ insurance policies will not include coverage for earthquakes, landslides, or sinkholes. Coverage for these events will need to be purchased as a separate policy or will need to be added to your standard policy.

Sewer Backups

Sewer backups can happen for many reasons: invasion of tree roots, aging sewer lines, or blockages. Regardless of the reason, sewage backups will not be covered in a standard home insurance policy. Protection against a sewer backup can be purchased through a separate policy, or as an addendum to a standard policy, in many cases.

Canine Attacks

Dog bites can be covered under standard policies, up to the limits of your liability coverage. However, if you own a breed that is known to have aggressive tendencies, then your insurance will not offer coverage in the event the canine bites someone.

Jewelry Theft

While it’s true that homeowners’ insurance in Glendale, AZ, does cover jewelry theft, there’s a limit to the amount of coverage a standard policy offers — and it’s not very high. Carriers limit jewelry theft coverage to $1,500 in many cases, which, in the case of a family heirloom or wedding ring, will often not be enough to cover the cost of the loss. If you have a priceless piece of jewelry in your home, your items will need to be appraised, and additional coverage will need to be purchased.