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O'Fallon, MO 63366

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Four Weird Things That Might Not be Covered by Your Home Insurance

Your home is your safe space. It’s where you go to relax, unwind, and feel comfortable after a long hard day at work. So it’s no surprise that we’re pretty particular about what goes on inside our four walls.

But did you know there are some weird things that your home insurance might not cover? Here are four of the strangest:

Damage Caused by Pests

We all love our furry (or not so furry) friends, but did you know that your pet could void your home insurance policy? That’s right – if your pet causes damage to your home or injures someone, your home insurance company may not pay out. So it’s essential to check with your insurer before you adopt or buy a pet.

Damage Caused by War

War not only destroys homes, but it also destroys lives. The physical and emotional damage it leaves behind is immeasurable. Unfortunately, your home insurance policy probably doesn’t cover damage caused by war.

Most home insurance policies do not cover damage caused by nuclear bombs and chemical and biological weapons. So, if you live in an area prone to violence, purchasing additional coverage is essential to protect your home and belongings.

Damage Caused by a Power Outage

Power outages are quite a common occurrence these days. Unfortunately, it often leads to a lot of damage for businesses and homeowners alike. Some of the damage that isn’t covered by your homeowner’s insurance coverage in case of an outage include:

  • Damage to Electronics: If the power outage is caused by a lightning strike, your home insurance policy might not cover the damage to any electronics plugged in at the time.
  • Food Spoilage: If the power outage lasts long enough, your food could start going bad. And while most home insurance policies won’t cover the cost of the food itself, some will reimburse you for any damages caused by the spoiled food (like if it leaks and damages your flooring).
  • Loss of Business Income: If you run a business out of your home, you might not be covered for any loss of income that results from a power outage.

Repairs Resulting From Negligence

We all know that accidents happen. But if the accident was caused by negligence, your home insurance won’t cover the repairs. For example, if you leave your oven on and it starts a fire that damages your kitchen, your home insurance company will likely not pay for the repairs.

The same goes for water damage – if you leave your sink running and it floods your home, your insurance company probably won’t pay for the repairs. So, it’s essential to be careful and take precautions to prevent accidents from happening in the first place.

Bottom Line

While your home insurance policy is designed to protect you and your home, there are some things that it just doesn’t cover. So, knowing what your policy does and does not cover is essential. That way, you can ensure you’re fully protected in an emergency.

If you’re looking for the right home insurance policy for your needs, Senn Insurance Agency in O’Fallon, MO can help. We’ll work with you to find a policy that fits your budget and provides the coverage you need. Contact us today to get started!