Home insurance provides extensive protection for your home. However, many people overlook the exclusions when reviewing their home policy. It’s crucial to delve into the policy details to understand exactly what isn’t covered. We are an independent insurance agency at Modern Risk Management in Houston, TX. Our team will work with you to ensure you have the right home insurance for your needs.

Not all insurance companies exclude the same things, so it’s important to discuss exactly what your home insurance policy doesn’t cover.

Aggressive Dog Breeds

Some dogs are considered high-risk, and home insurance excludes them from liability coverage. You should consider this when choosing your pet.

Floods

Home insurance does not cover water damage caused by flooding caused by a hurricane or other event. Houston is prone to hurricanes and flooding, so if your home is in this area, you must have flood insurance. It can be purchased separately through the NFIP.

Hurricanes

In areas prone to hurricanes in Texas, they may be excluded. Some counties are considered high-risk, and you need to ensure you have coverage one way or another. Even if you are not excluded, you may find that your coverage and deductible are different for hurricanes than for other perils.

Pests

If pests infest your home, your home insurance will not cover the damage. This is called owner neglect. You are responsible for having your home treated before damage occurs.

Contact our office at Modern Risk Management in Houston, TX to discuss your home insurance needs.