Homeowner’s insurance covers many different situations for homeowners. However, there are some situations that aren’t covered by a typical homeowners’ insurance policy. As a homeowner, it may be wise to familiarize yourself with the areas on non-coverage. Our team at Southern Risk Associates takes pride in educating Foley, AL homeowners on homeowners insurance.
What is Homeowners Insurance?
In short, homeowners insurance is designed to provide coverage for your home’s internal and outer structure, as well as the foundation, any other structures on your property, your personal belongings, and more. Homeowners insurance also provides protection from liability claims.
This means that if you damage someone else’s property or someone is injured on your property, the liability coverage that comes with your homeowner’s insurance will cover these incidents. If your dog bites your neighbor, your homeowner insurance may cover the medical expenses your neighbor may incur. Also, if you hit your neighbor’s mailbox, your homeowner’s insurance typically covers this too.
There are other situations where your homeowner’s insurance provides coverage as well. The guidelines and eligibility requirements are typically clearly outlined in your homeowners’ insurance policy.
Will my homeowner’s insurance cover termite damage?
Not everything that goes wrong with your home is covered by your homeowner’s policy. Some things are considered preventable and occur because of negligence, according to many insurance companies. Termite infestation is one such situation. Termites can be eradicated before they do significant damage. As a result, termite damage isn’t covered by a typical homeowners policy unless otherwise specified.
Looking for Insurance in Foley, AL?
If you have questions about homeowners insurance, call us at Southern Risk Associates. We’d be happy to help you explore your options.