Covered Claims
Not all home insurance claims are covered. It’s a crucial point many homeowners in Roseville overlook until it’s too late. While home insurance offers broad protection, there are specific exclusions that can leave you footing the bill if you’re not prepared. Why does this matter? When disaster strikes, homeowners naturally turn to their insurance for peace of mind. But here’s a hard truth: not all claims are covered under a standard home insurance policy. That fine print you’ve been meaning to read. It could be the difference between relief and regret. If you are a homeowner in Roseville and surrounding areas, contact P&G Insurance brokers to review you policy with you.
Common Exclusions from a Claim
Before assuming you’re protected, it helps to know what isn’t covered. Understanding what is not covered in a claim can help better protect you in the Roseville area. Here are some of the most common exclusions:
1. Flooding
Flood damage is typically excluded from standard policies. To protect against floods, homeowners must purchase separate flood insurance, often through the National Flood Insurance Program (NFIP).
2. Earthquakes
Like flooding, damage from earthquakes usually requires a separate policy. In quake-prone areas, this extra coverage is essential—not optional.
3. Negligence or Poor Maintenance
Neglect and failure to properly maintain the property (e.g., termites, insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear). If your roof leaks because it’s 20 years old and hasn’t been maintained, that’s not considered “sudden and accidental damage.” Insurers expect regular upkeep.
4. Sewer Backup
This messy (and costly) issue isn’t typically covered unless you’ve added an endorsement for it. It’s one of those unglamorous extras that can be a financial lifesaver.
5. High-Value Personal Property
Jewelry, fine art, and collectibles often have capped coverage under a basic policy. If you’ve got valuables, you’ll want to schedule them separately.
Other Excluions on Claims
6. Certain Dog Breeds
Liability exclusion based on perceived risk (varies by insurer).
7. Home-based business liability
Commercial risks need to be insured separately—personal policies exclude them.
8. Power surges caused by your utility company
Often excluded unless you have added equipment breakdown or special endorsements.
9. Intentional damage
Any damage caused intentionally by the homeowner or household member is never covered.
10. Nuclear hazards
Excluded due to federal responsibility and extreme risk.
11. War
Typically excluded due to catastrophic nature and uninsurable risks.
12. Government action
Includes demolition or confiscation—considered a public domain issue.
Choosing the Right Insurance Plan
Choosing the right home insurance is all about balancing coverage, cost, and confidence in your provider. Here’s a streamlined guide to help you make a smart decision:
- Dwelling coverage: Should match the cost to rebuild your home, not its market value.
- Personal property: Covers belongings—consider replacement cost coverage over actual cash value.
- Liability protection: Covers injuries or damage to others on your property.
- Loss of use: Pays for living expenses if your home becomes uninhabitable.
Home Insurance Claims
The homeowners insurance that you choose should depend on your personal circumstances. Because there are many different types of coverage, it is important to select the right policy. Our professionals help you choose the correct coverage. The type of insurance coverage you choose will depend on what type of dwelling you live in and your insurance needs.
Homeowners insurance protects homeowners from many threats and situations. These threats include fire, theft and accidents. Don’t leave yourself in a financial distress because you do not have the corect insurance.
Final Thoughts
Investing in homeowners Insurance is an important step to owning a home. Understanding your policy options and selecting comprehensive coverage can save you from costly surprises down the road.
If you are not sure if you have the correct homeowners insurance that will cover your claims, give us a call. Let’s make sure you have the right insurance in place first! P&G in Roseville is here to help. Contact us today by clicking HERE. Follow us on Facebook for news updates and specials.