The standard homeowner’s insurance within Dallas, TX covers various perils, from theft to fires and even vandalism. In addition to this, you can expect items such as liabilities to be taken care of along with guests’ bodily harm and property damage. While these protections offer immense benefit to homeowners, some items will still fall outside home insurance. D&B Insurance Solutions covers these exclusions to be on the lookout for.
If flooding occurs within your property and destroys items such as electronics or compromises the structure of your home, your home insurance will not cover your damage. Getting compensation for flooding will require you to get flooding insurance. A flood policy will come in handy in helping you cover your damaged content while also helping you rebuild your home.
Expensive belongings such as jewelry and fine art are also excluded from your coverage due to their costs. High-priced possessions often require homeowners to get additional coverage, allowing you to protect items such as engagement rings and family heirlooms. Where possible, you can also get a rider for such items, helping you get adequate protection to help with your compensation needs when perils cause damage or when your items are stolen.
Problems arising from negligence are also excluded from home insurance, as these will often be issues that can be avoided. If, for instance, your property suffers moisture damage due to water leaks from faulty air conditioning, your policy will not cover such destruction. Mold growth is another example of a maintenance issue that is not covered by a home policy since this can be avoided by using suitable cleaning agents. In addition to this, pest infestation and general wear and tear also fall under this category, with such problems requiring adherence to the proper cleaning routines.
While the above guide covers home insurance exclusions, getting information on the proper coverage will be crucial in helping you keep your property safe. Call D&B Insurance Solutions today to get customized coverage for your Dallas, TX property.