Click to Call
Get Directions
For homeowners, home insurance is the real deal. It comes to our aid when disasters strike. Think about the thousands of dollars it would cost you when your home got destroyed, or someone got injured in your compound. Luckily, standard home insurance protects you from such expenses. However, your standard home insurance will not cover all the possible risks your home might be exposed to — there are some exclusions. Let’s look at common risks not covered by standard home insurance purchased from Pizano Insurance.
Ground movement
Your standard home insurance will not cover landslides, sinkholes, earthquakes, and other earth movements. You’ll need separate coverage for these kinds of disasters. Your insurer can help you find the policy that suits you, depending on your area.
Flood damage
Your standard insurance does not cover floods caused by external conditions. Your insurance only covers floods caused by leaking pipes or overflowing toilets. Floods due to sewer systems, flash floods, or burst dams require you to buy a separate flood insurance policy.
War and terrorism
Home destructions or damage caused by political risks like uprisings, war, mutiny, or any war-like situation are excluded from your standard home insurance. Similarly, you can’t claim damages resulting from any act of terrorism. However, there are insurance policies that provide cover for vandalism, strikes, riots, and much more.
Maintenance issues
Your standard home insurance will not cover damage resulting from negligence or failure to maintain your home. For example, damage from termites, rodents, mold, rust, and wear and tear are not covered. Also, damage resulting from hidden defects or something that was poorly made is excluded.
Home insurance in Wayzata, MN
Reading your insurance policy can help you discover what’s not covered rather than learn when the unfortunate situation strikes. Once you identify the gaps, talk to your insurer for "add-ons" or "riders." If you live in Wayzata, MN looking for home insurance, look no further than Pizano Insurance. Contact us today for an affordable quote.