Home insurance covers a wide range of situations and provides essential protection for homeowners. However, it doesn’t cover everything that can go wrong. At Windgate Insurance Agency Inc. in New Windsor, NY, our team of independent agents is here to help you understand what isn’t covered and ensure you have the additional protection you may need.

What Home Insurance Doesn’t Cover

One of the primary reasons your home may not be covered by home insurance is owner neglect. You might not realize what constitutes neglect, but if your home is damaged by something preventable, your claim may be denied. For example, if your roof is old and your home sustains damage because of its age, the responsibility falls on you. Insurance companies expect homeowners to replace aging roofs and perform regular maintenance. Similarly, if termites damage your home, it’s your responsibility to treat infestations promptly.

Insurance providers expect you to maintain your home and keep it in good condition to prevent avoidable issues.

Additional Coverage Options for Uncovered Risks

Floods are among the most destructive natural disasters, with just an inch of water causing thousands of dollars in damage. If your home is at risk of flooding, you can purchase separate flood insurance to protect your property.

Additionally, if your home insurance doesn’t cover hurricanes or sinkholes, you can add these types of coverage to your policy. Earthquake and landslide damage coverage are also available if you believe your home is at risk. For homeowners with expensive items, such as jewelry or collectibles, additional coverage can ensure these valuables are adequately protected.

Contact our agents at Windgate Insurance Agency Inc. in New Windsor, NY, for all your home insurance needs. We’re here to answer your questions and help you explore additional coverage options to safeguard your home and belongings.