Home insurance is your safety net as a homeowner. So many things can damage your home and your assets. Even the best safety net can’t protect you from everything. At Biddle-Shaw Insurance Services Inc. in San Francisco, CA, we don’t believe that one size fits all. Since 1938, we have been customizing home insurance policies to fit each customer’s particular needs.
All home insurance policies have exclusions. These are things that the policy won’t cover. By knowing what they are, you can make other provisions to make sure that you are not without coverage.
Floods are one of the most common and damaging natural disasters. Even one inch of water in your home can cause thousands of dollars in damage. The scary part is, floods are not covered by traditional home insurance. You can, however, get flood insurance through the National Flood Insurance Program.
Earth movement covers several different hazards that are excluded from traditional home insurance. Sinkholes, mudslides, landslides, and earthquakes are all considered earth movement. While your home insurance won’t cover you for these types of earth movement, in California you can get earthquake insurance through the CEA, California Earthquake Authority.
Sewer backup is disgusting and even more disgusting is the fact that your home insurance won’t pay for the cleanup and damage. If you are concerned about this possibility, you can get a sewer backup endorsement for your home policy.
Many things can come under the heading of owner neglect. If you get termite damage, that is owner neglect, you should have your home treated for termites. If your older roof leaks and causes interior damage to your home, you are at fault. You should have replaced your roof. The insurance company expects you to maintain your home.
Contact Biddle-Shaw Insurance Services Inc. in San Francisco, CA when you are ready to have your home insurance customized for you and your home.