Do You Have Gaps in Your Homeowners Insurance?

Do You Have Gaps in Your Homeowners Insurance?

Watch out for these gaps in your homeowners insurance.

While many homeowners assume that their insurance policy provides adequate coverage for all their needs, this isn’t always the case.  In fact, there are many things that your homeowners insurance won’t cover.  Make sure you have all the protection you need by watching out for these coverage gaps in your policy.

1) Pets

While you may love your dog, your home insurance provider might not feel the same way.  In fact, many insurance companies will refuse to cover certain “dangerous” breeds of dogs.  Check your insurance policy to verify that your four-legged friend is covered.  If they are not, then you might have to get a separate policy to protect against pet related liability issues.

2) Home-Based Business

If you are running a business out of your home, then your standard homeowners insurance policy will not be enough to cover every aspect of your business.  You will most likely need to add a policy rider or get a completely new policy to protect your business’s supplies, equipment, inventory, employees, and customers.

3) Natural Disasters

While your home insurance policy will provide coverage for the damages caused by most extreme weather events, certain natural disasters require their own insurance policies.  For example, 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 issues, make sure you have the necessary policies to address your risk.

These are some of the most common gaps in homeowners insurance coverage.  Do you have more questions regarding your homeowners insurance policy?  Then don’t hesitate to contact us at East End Insurance Agency in Southold, New York.  Our knowledgeable professionals are ready to assist you with all your coverage needs.



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July 2019
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