Standard home insurance can protect Overland Park, KS, residents from many unexpected losses. These losses can include damage from fire, hail, theft, wind, and even certain types of water damage. However, every policy has its exclusions. Knowing what is not covered can help you avoid costly surprises after a claim. At HighPointe Insurance Services LLC, we’ll work with you to find a homeowner’s policy that includes coverage for what matters most to you.
Flood Damage is Not Typically Covered
Most home insurance policies do not include flood insurance for flood damage. This can include water from heavy rain, stormwater backup, overflowing creeks, or even rising groundwater. You may require a separate flood insurance policy for this type of protection.
Sewer Backup
Water damage caused from a backed-up sewer line, drain, or sump pump is often excluded unless you add sewer backup coverage to your policy.
Wear and Tear
Home insurance is designed for accidental and sudden damage, not standard wear and tear or routine maintenance. Standard policies typically do not cover aging roofs, outdated plumbing, pest damage, mold (from neglect), foundation settling, or gradual leaks.
Earth Movement/Foundation Issues
Damage from soil movement, earthquakes, foundation shifting, and sinkholes may not be included in your standard home insurance policy. Some coverage may be available through endorsements or separate policies, but may require an additional investment.
Knowing your options when it’s time to invest in home insurance is key anytime you’re purchasing a home in Overland Park, KS, or the surrounding region. Whether you’re purchasing your first home or investing in additional properties, the right home insurance can make all the difference. To learn more about your options and to do so while working with a trusted agency, HighPointe Insurance Services LLC is here for you.
