What important things are not covered under my basic homeowners policy?

Flood and Earthquake: homeowners insurance doesn't cover is damage from floods or earthquakes. So if you have a home in an area vulnerable to rising water or flooding, or are concerned about earth movement, ask us about how you can purchase flood or earth quake insurance.

Jewelry: although jewelry would be considered part of your personal property or contents coverage ~ higher valued items should be specifically scheduled under your policy. This provides broader coverage, including mysterious disappearance, and assures that a proper value is set on the item.

Home Business: business exposures in your home are not automatically covered by the basic homeowners policy. In some cases, the policy can be endorsed to cover your exposure; however, depending upon the exposure ~ you may need to have a seperate business owners policy. If you have a business in your home, contact our office for a thorough review. 

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