Getting homeowners insurance Florida is an essential tool for thousands of people today, and yet, so many aren’t adequately covered. Really, there are many homeowners that have insurance but don’t have enough cover and when the time comes to make a claim, they’re turned down. Unfortunately, far too many owners don’t know some insurers won’t cover certain things and that costs them dearly. So, what are the six things most insurers don’t cover?
Most homeowners do cover some form of jewelry, but only to a certain amount. For example, some insurance carriers limit the amount of jewelry coverage to about two thousand dollars. Why is that? Jewelry is the easiest thing to steal and more often than not, companies get claims for expensive pieces all the time. It’s very costly for the companies to insure jewelry, especially high-end pieces, which is why if you want to insure your jewelry you need a separate policy. Also, appraisals will be required for the policy. However, homeowner’s insurance Florida can have a clause for high-end jewelry but it’ll mean higher premiums and again, limitations.
Does your policy say anything about floods? Unfortunately, most homeowners assume their policy covers them for accidental floods or localized flooding, but that’s not always the case. You may need a separate policy to cover you from floods. Homeowners insurance Florida can often lack certain things, especially flood coverage. You need to check your policy to see if it mentions floods and if not, then it’s more likely you’ll need additional coverage. Check here!
Sometimes, homeowner’s insurance Florida can cover dog bites, but only up to a certain amount. However, if you haven’t told the insurer you have a dog or have asked for dog bites and attacks to be added into the insurance, your dog may not be covered. What is more, even if the bite is covered in the policy, there is a limitation over how much the insurer will pay – the rest is down to you.
Poor Maintenance on the Home
Let’s say you’ve personally let the house fall into disrepair, do you think the insurers will cover you for such things? No! There is no way you will be covered for not looking after the home, even if you appear to have a good reason, such as extreme medical illness. Homeowners insurance Florida doesn’t cover problems or damage because of poor maintenance or a lack thereof!
Sewers aren’t generally covered in homeowner’s insurance Florida. Why is that? There can be a hundred and one things that go wrong with the sewers and it’s too costly for the companies to be landed with the bill. A lot of the time, homeowners assume they are covered for such things, when in reality they aren’t!
Landslides and Earthquakes
An act of God or Mother Nature is usually outside anyone’s control and you would think you’d be covered for such things. Unfortunately, you aren’t. Unless your policy states you have cover should an earthquake or landslide strike, you won’t be covered! Homeowners insurance Florida is tough at times, but you probably won’t be covered for storm damage either. However, you can get additional policies to cope with such things.
Know Your Coverage
Unfortunately, many homeowners have no clue over what they’re actually covered for at home. It’s shocking and often costly because when something happens and the homeowner claims for it, they end up with a nasty surprise. They are the ones left to foot the entire repair costs and bill and that’s a nightmare to say the least. However, you should always check your homeowner’s insurance Florida policy and get additional cover for things that aren’t included with the policy. Click here for more information: