While no one wants something to happen to their home, we all know that things occur. That’s why many homeowners get an insurance policy to cover that risk. Home repairs can get expensive, and the damage can result in higher costs than you might be able to afford. However, a home insurance policy won’t cover everything, so you need to be aware of any possible exclusions.

Possible Coverage Limitations

Home insurance is broken down into four different parts:

•    Dwelling
•    Other Structures
•    Personal Property
•    Loss of Use

While they will cover most of the possible occurrences, there may be some limitations on the following items:

•    Computers, laptops, and other business equipment.
•    Antique furniture and art.
•    Theft of jewelry, watches, precious stones, and furs.
•    Theft of fine silverware and china.
•    Theft of guns.
•    Theft of sports cards and other collectible items.
•    Theft of hand tools.

There may be other items for which there may be coverage limitations, so be sure to reach out to the Advantage Insurance Network in Cincinnati, OH. We have agents who will gladly help you, so feel free to contact our office today!

What May Not be Covered

While there are several items that may have limitations in coverage, there are some things that won’t be covered under a home insurance policy. Some of these may include:

•    Earthquakes
•    Landslides
•    Vandalism
•    Damage caused by neglect
•    Damage caused by normal wear and tear

If you want to know more about what a home insurance policy won’t cover, the Advantage Insurance Network has a team of agents that can answer any questions you may have. If you live in Cincinnati, OH, be sure to get in touch with us today!