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Do You Have Gaps in Your Home Insurance?

Make sure you don’t have these home insurance coverage gaps.

While homeowners know that they need to have the protection that home insurance offers, many do not realize that standard home insurance policies have coverage gaps.  To ensure that you are getting all the protection you need, make sure you watch out for these coverage gaps.

Home Based Business

If you operate a business out of your home, then your home insurance policy might not be giving you all the coverage that you need.  You will probably need a policy rider or an entirely new policy to protect the equipment, inventory, employees, and customers involved in your home based business.

Pets

You love your dog, but not all insurance companies feel the same.  In fact, there are many different dog breeds that insurance companies will not cover.  Check to make sure that your furry friend is covered, or you might be stuck handling dog bite liability issues on your own.

Natural Disasters

While the damage caused by most major natural disasters is covered under your standard homeowners insurance policy, there are certain natural disasters that require their own policies.  For instance, you will need a separate policy to protect against the damages caused by floods and earthquakes.

These are some of the most common gaps in home insurance policies.  Do you have questions regarding your home coverage?  Don’t hesitate to contact the experts at Pierce Insurance Group.  Our dedicated team is ready to assist you with all your insurance needs.