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First Florida Underwriters Insurance blog

What Is Not Included In Home Insurance Policies?

There are a number of things that may not be included in a home insurance policy. You want the very best for your home in Orange Park, FL. This means you have to look at the fine print so you don’t encounter any surprises. First Florida Underwriters Inc can also work with you to ensure you get the coverage that you need.

There are four things covered in a standard policy:

  • Liability protection
  • Personal belongings
  • The structure of your home
  • Additional living expenses

What’s not covered includes detached garages, pools, and other structures that may be found throughout your property. These would have to be added above and beyond your standard policy.

You also have to look at the kind of damages you are protected against. For example, your policy will provide coverage against fire, theft, hurricanes, lightning, and various other disasters that may be listed within your policy. However, you would not be protected against floods or earthquakes. You would need to add these as riders to your policy.

Various damages as a result of routine wear and tear will also not be covered by a home insurance policy. This would require a completely different insurance policy altogether.

Knowing what is and isn’t covered is critical so that you know whether you will be covered in an insurance claim. If you aren’t covered, the expense is on you as opposed to being covered by the insurance company, minus the deductible that you have to pay per your policy details.

At First Florida Underwriters Inc, we have independent insurance agents who can help you with your home insurance policy. We will work to ensure that you have sufficient coverage for your home in Orange Park, FL. It will make it easier for you to enjoy your home without wondering if you have enough protection.