Your home insurance protects you from many hazards that can damage your home, providing a sense of security. However, like most types of insurance, there are exclusions, things that the insurance doesn’t cover. It is essential that you know exactly what is and isn’t covered so that you can make informed decisions about coverage. We are independent insurance agents at Giles & Iten Insurance in Surprise, AZ. We prioritize the needs of our customers and will ensure you understand your risks.

Floods

Given how common floods are across the country, it’s quite a shock to realize that your home insurance doesn’t cover damage from surface water. Especially since only an inch of water can cause $20,000 of damage. The good news is that flood insurance is available, and you can purchase it separately from the NFIP.

Some Breeds of Dogs

Having a dog is a liability, and it raises your risk of being sued. Some breeds of dogs are considered so high risk that your home insurance will not cover them. Be sure to discuss any dogs you have with your insurance agent.

Earth Movement

Your home insurance does not cover earthquakes, landslides, mudslides, and sinkholes. This is another type of hazard for which you can purchase a separate policy.

Owner Neglect

As a homeowner, the insurance company expects you to maintain your home. This means treating your home for termites or any other pests before it is damaged. It means replacing your roof before it begins to leak and causes damage to the interior of your home. It means keeping your trees trimmed so that the limbs don’t cause damage.

Contact our Giles & Iten Insurance office in Surprise, AZ when you need home insurance.