Your home insurance in Palm Coast, FL, protects your investment from a wide range of covered risks. However, a standard policy does not cover everything. Some risks, which can lead to catastrophic situations, are excluded. Fortunately, you don’t have to worry about these exclusions. All Counties Insurance Agency & Traffic School can help you find the protection you need for home insurance exclusions.

Natural Disasters and Weather Events

Home insurance policies typically cover damage caused by common weather events such as windstorms, hail, lightning, and wildfires. However, they often exclude coverage for major natural disasters. Specific exclusions can vary by policy, so it’s essential to review your policy to understand what is included.

Common exclusions in home insurance policies include:

• Floods, including rising water from storm surges and sewer backups
• Earthquakes, including shaking, earth movement, landslides, and sinkholes
• Sewer and drain backups, including water entering your home from sewers, drains, or sump pump failures

You can protect your home by adding endorsements to your policy for these specific events. Homeowners can also purchase flood insurance through the Federal Emergency Management Agency (FEMA) or private insurers.

Other Exclusions

Home insurance is designed to cover sudden and accidental damage, not issues resulting from poor maintenance or neglect. Your policy will not cover:

• Normal wear and tear
• Mold and rot
• Pest infestations

Additionally, certain activities and intentional damage are excluded from coverage:

• Home-based businesses
• High-value items such as art and jewelry
• Certain dog breeds

For these risks, you can add endorsements to protect your home and belongings.

Acts related to war, nuclear hazards, government actions, or damage from power failures are also excluded from coverage.

Learn how to fully protect your home by exploring insurance endorsements tailored to your needs. Contact All Counties Insurance Agency & Traffic School, serving Palm Coast, FL, to get started on the right policies for your situation.