Homeowner’s Insurance typically does not cover the following unless you have a separate policy or endorsement:

• Earthquakes
• Flood (environmental)
• Contamination or fungus
• Building Code upgrade costs
• Government action
• Power loss
• Wild animals
• War
• Nuclear hazards
• Wear and tear
• Damage from lack of maintenance
• Decay

Your policy will pay for it initially, but your Insurance Provider may go after your neighbor to recoup their losses. 

It can be included, if you have an escrow account with your lender. This simplifies things by only having to pay one bill (for both mortgage and insurance premium) into the escrow account, where after your lender is obligated to make the Homeowners Insurance payment on your behalf. 

A couple different ways:

• You aren’t paying your premium.
• You’re constantly late paying your premium.
• You’ve made too many claims in a short period of time.
• You’ve recently been convicted of a crime, demonstrating a lack of responsibility.
• Your home is deemed unsafe or not up-to-code.

Certainly. The closer you live to a fire station, the less damage your home will suffer in the event of a fire. 

The status of the fire station matters as well. If they use outdated equipment or are under-staffed, your Insurance Provider can charge you additional premium.

Yes, this is exactly what the Liability Coverage provision is for on your Homeowners Policy. 

If you have heavy equipment on your lot or hazards that could easily injure others, keep this in mind when selecting your Liability Coverage Limit.

You may report a claim that happened in the past, as long as you are still with the same Insurance Provider and did not have a lapse in coverage.

Jewelry is covered under the “Scheduled Items” section of your policy. 

Scheduled Items can be valued on an Agreed Value or Actual Cash Value basis. We always do our best to offer desirable coverage options for your valuables, so please describe them thoroughly during the sign-up process.

Absolutely. Having an inventory of your items will help us give you the right amount of coverage without having to use an estimate. Taking pictures of your belongings is also a good idea for reporting future claims to the Insurance Provider.