Prior to purchasing a home insurance product, it is strongly advised that you read through that policy and find out what is excluded. One of the things that we at Armadillo Insurance Agency, serving the greater Austin, TX area, have found is that many people do not understand what it means if something is listed as excluded on a home insurance policy. Read on to learn what it means if something is listed as excluded on a home insurance policy and what types of things may be typically excluded.
What Does It Mean If Something is Excluded On a Home Insurance Policy?
An exclusion list means that an event or item is not covered by the home insurance policy. The exclusion list for a homeowners policy may exclude specific events, or they may exclude specific items. If you see something listed on the excluded list, you know that that type of event or that type of item is not covered by your policy.
What Types of Things Are Typically Listed On the Exclusion List For Home Insurance Policies?
Specific events, such as flooding, fires started by arson, or damage done by a criminal act you committed are typically listed on the exclusion list. The exclusion list may also list items that are not covered by a home insurance policy, including things like fine art, expensive jewelry, or cars with motors in them.
Contact Us Today
Just because something is listed as an exclusion on your home insurance policy does not mean that it cannot be covered. Floods can be covered by buying the right flood insurance, and expensive jewelry can be covered with a jewelry insurance policy. At Armadillo Insurance Agency, serving the greater Austin, TX area, we can help you get the coverage you need. Call us today to get started.