What Types of Damage Can Home Insurance Cover?

At Taake Insurance Agency in Columbia, IL, we assist new homeowners and seasoned homeowners with determining what their home insurance policy does and doesn’t cover. While many homeowners may take for granted what they believe their policy covers, it never hurts to confirm what your policy offers and what is outside of the scope of what your policy can cover. Before your home is damaged, we recommend getting home insurance to protect against liability, qualifying damage, and more.

What Types of Damage Can Home Insurance Cover?

When your home experiences damage due to theft, a natural disaster, or vandalism, you may wonder how you’ll be able to afford to repair the damage. After all, most of us don’t have the extra funds lying around to cover these kinds of damages. Before you panic, you should know that some home insurance policies may cover damage that occurs during a qualifying natural disaster, vandalism, fire, or theft. Of course, every insurance policy is different, so you should speak with one of our professionals to determine whether the damage may qualify for coverage.

What Types of Damage Can Home Insurance NOT Cover?

Home insurance doesn’t cover damage from regular wear and tear. It also usually doesn’t cover damage from natural disasters outside of qualifying events. Additionally, if your home isn’t damaged and you want to renovate it, home insurance almost certainly will not cover those expenses. If you have questions about what events and damages fall outside of your home insurance coverage, we can answer any related questions when you call our office or visit it in person.

For more information about our home insurance policy options, we welcome you to call our office at Taake Insurance Agency in Columbia, IL!