gaps in home insurance coverage

Are You Covered? Common Gaps in Homeowners Insurance Policies

Watch out for these common gaps in homeowners insurance.

While many homeowners believe that they are fully covered under their homeowners insurance, this is not always the case.  Every policy has its limits, and your homeowners insurance in Plano, Texas is no different.  Make sure that your policy is providing all the protection you need by looking out for these common gaps in homeowners insurance.

Your Pet

Your dog might be the most gentle animal around, however your insurance company might not feel the same way.  In fact, there are many insurers that refuse to cover certain “dangerous” dog breeds.  That’s why it’s important to review your homeowners policy to see if your four-legged friend is covered.  If not, you might have to take out a separate policy to ensure that you are covered for any pet-related liability issues.

Your Home-Based Business

If you are running a business out of your home, then your homeowners insurance isn’t enough to protect every factor associated with your business.  You will need to add a policy rider or get an entirely new policy to protect the supplies, equipment, inventory, employees, and customers associated with your business.

Natural Disasters

While your homeowners insurance will protect against the damages and losses associated with most major weather events, there are certain natural disasters that require their own policies.  For instance, you will need a separate policy to protect against the damages caused by flooding and earthquakes.  If you live in an area prone to either of these hazards, make sure you have the proper protections in place.

These are some of the common coverage gaps in homeowners insurance policies.  Want to make sure that you are getting all the coverage you need from your homeowners insurance?  Look to the experts at Tri-Star Insurance/HUB International.  Our dedicated team is ready to find the coverage options that are right for you.  Contact us to get started today.