While most people think that their insurance policy will cover them in the event that they are hit with unexpected and unfortunate circumstances, however, many homeowner’s insurance policies have exclusions. For this reason, it is critical to ensure that you are protected from the following situations:


It is important that if your home is located by a body of water of any sort, or if you live in an area where it rains a lot, to understand that your home is at risk from damage from flooding. Unfortunately, homeowner’s insurance policies do not cover losses due to floods, which means you will have to pay for separate flood insurance.

With the National Flood Insurance Program, the maximum coverage for a home is roughly $250,000, and $100,000 for your personal belongings. Be sure to consult with your insurance agent tin order to see the different policies that may be available to you.

Natural Wear & Tear

After time, your appliances and other home electronics are likely to stop working. Unexpectedly, your kitchen tiles may crack, your wood floors may bow, and your foundation may begin to settle and crack. It is important to know that your homeowners insurance policy does not cover these wear and tear issues, which means that you may wish to consider buying a separate overage plan that will cover all these needs.

In order to help protect the natural wear and tear, you may wish to consider purchasing equipment breakdown coverage. From all large appliances, to home electronics, to hot water heaters, this coverage will replace your items from wear and tear.

Drainage Back-ups

While your homeowner’s policy will cover any damage that is caused by plumbing issues, your policy will not cover any damages due to drainage back-ups. Since many back-ups tend to occur when the water lines and septic tanks are dirty, it is important to consider rider coverage to protect your home. Also, be sure to routinely check for potential problems, which will help to prevent any drainage back-ups from occurring.

If you have questions, or would like more information about your homeowner’s policy, and it’s exclusions, contact Brazelton Insurance Group.