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Florida homeowners insurance, what isn’t covered?

As a homeowner, it is your duty to make sure your home is safe and protected from disaster. There are so many perils out there that can damage or even completely destroy your home. What’s worse is thinking that you’re covered when something happens to your home but you really aren’t. It is very important to understand what is and isn’t covered by your Florida homeowners insurance policy.  No one wants to be told they aren’t covered, that’s why it’s up to you to know what will not be covered in your policy. By understanding what isn’t covered, you can then move forward and take the right steps to extend the coverage you need.

What’s not covered in my home insurance in FL?

Let’s discuss what is not covered by your home insurance policy according to https://floridainsurancequotes.net/florida-homeowners-insurance/. Remember each of these while you are shopping for a policy. That way you can avoid any sudden surprises once a disaster occurs.

Trampolines

That’s right, it’s crazy to think trampolines aren’t covered. Nine times out of ten, trampolines are an accident waiting to happen. Did you know just by having a trampoline on your property is enough of a reason for insurance companies not to insure you? The climbing numbers of trampoline accidents are a result of that. Do you own a trampoline? It may seem like harmless fun but some insurance companies will take that into consideration.

Flooding

Flooding is not covered by your home coverage. However, most standard home policies will cover you if you have water damage that resulted in a busted pipe or leaking faucet. Keep in mind that policies will not cover flood damage due to rivers, or any type of surface water that runs into your house and causing damage.

Homeowners will need to purchase special flood insurance. However many do not purchase it unless they live in a high-risk area. If you feel your home is at risk to flood damage, it is strongly recommended that you purchase the Florida home insurance policy needed.

Earthquakes

Just when you think an earthquake couldn’t happen in the area, think again. For example, the earthquake that passed through Virginia in August 2011? No one ever expected it. As a result, many people found out that damages done to homes were not covered. Remember that most homeowners insurance in Florida will not cover earthquakes. You as a homeowner will need to purchase additional coverage if you feel the need.

Certain Dog Breeds

Dogs will bite and attack unpredictably. You may think you have the sweetest dog around but things can happen quickly. Even the sweetest dog can become aggressive and attack someone. Many insurance policies will not cover a high-risk dog. For example, Pit Bulls or Rottweilers.

Be aware of these factors when shopping online for FL homeowners insurance according to https://floridainsurancequotes.net/home-insurance/homeowners-insurance-florida/. If you feel the need to purchase additional coverage do so. There is nothing worse than not having the protection you needed after a disaster.