Seek Out Homeowners Insurance Gaps Now Rather Than Later

June 30, 2009 - PRLog -- Many consumers don’t realize that their homeowners insurance policies will not cover everything they think it might. There are certain gaps in policies that, if you want covered, you must pay extra.

One of the biggest problems for homeowners is being underinsured and most don’t realize they are underinsured until its too late (http://www.insuranceagents.com/gaps.html).   As important as it is to be aware of everything your homeowners insurance policy covers and its just as important to understand what it doesn’t cover. Things like flood, sewage backup, content and personal liability coverage may not be apart of your standard insurance policy and could end up costing you to pay out of pocket for damages.

Its more common for basic homeowners insurance policies to cover fire or even earthquake damage but you will have to pay to add on flood insurance. It is also common for people to think flood insurance covers sewage backup, but this is a separate policy as well. Covering possible damage to your home also include the things and people that are inside the home. If ever something is stolen or someone gets hurt on your property, its important to know whether or not these things are covered in your homeowners insurance policy.

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