If you have a mortgage on your home, home insurance will be a requirement. It offers a lot of protection. It covers the physical building itself from many types of peril. It protects your contents and your assets. You might think home insurance protects you from every possible thing that can go wrong but that isn’t the reality. Every home insurance policy has exclusions. Forewarned is forearmed. If you know what isn’t covered, you can make other arrangements to protect yourself. At Hyman Brown Insurance Agency Inc. in Commerce, GA, we have been in business for almost 60 years. Our goal is to build a lasting relationship with all of our customers.
Owner negligence
Insurance companies expect homeowners to maintain their homes. That seems like a pretty simple thing but it encompasses things you may not think of. If your roof needs to be replaced and you put off doing it, your insurance company isn’t going to pay for damage to your interior. If you have termites, you will have to pay for the damage since treatments to avoid infestations are available.
Flood
Floods are one of the most prevalent natural disasters. They cause an immense amount of damage every year. They are also not covered by home insurance. If the flood origin is inside your home, that is another story but groundwater, no. If you live in an area prone to flooding, you can purchase flood insurance through NFIP, the National Flood Insurance Program.
Earth movement
The term earth movement encompasses several types of earth movement, earthquake, mudslides, and sinkholes. All of these can cause unthinkable damage to your home. You can purchase insurance separately from your home policy to cover these disasters.
If you live in or near Commerce, GA, contact Hyman Brown Insurance Agency Inc. for any insurance needs you may have.