Your home insurance protects you from many hazards that can damage your home and your life. Nothing, however, can protect you from everything, and, like most types of insurance, home insurance has exclusions. In Sellersburg, IN, CXE Insurance makes sure that your home insurance is personalized to you. We get to know you so that we can better serve you.
Home Insurance Exclusions
Flood
Floods are one of the most damaging natural disasters. Every year they seem to spread to more and more locations where they were never common in the past. If you are counting on your home insurance to protect you, you will be sorely disappointed. Floods are not covered by a traditional home insurance policy. If you feel you need to be protected, you will have to buy flood insurance through the National Flood Insurance Program.
Earth movement
More than one type of earth movement is not covered by your home insurance. It doesn’t cover earthquakes, mudslides, landslides, or sinkholes. You can buy a separate policy to cover these hazards.
Owner neglect
Owner neglect leaves many things uncovered that can damage your home. Your insurance company expects that you will keep your home in good condition so that it doesn’t suffer any damage. If your roof is old and it leaks, the damage is on you. If your home becomes infested with termites, the damage isn’t covered because you are expected to get termite treatment. You are expected to prevent any damage that you can.
Sewer backup
Having your sewer back up into your home is disgusting, and it can cause a lot of damage. The worst part is that the damage is not covered by your home insurance.
Call Today To Discuss Your Options
Contact CXE Insurance in Sellersburg, IN when you need home insurance advice. We are here to help in any way that we can.