What Home Insurance Covers and Doesn't Cover

​Because each home insurance policy varies, knowing and thoroughly understanding what's covered makes you confident about which plans you should take for your home. Read further to be aware of the difference in insurance policies.

What Homeowner's Insurance Covers
Homeowner's insurance covers a wide range of potential damages. Aside from your actual dwelling, the fence, garage, shed, and the driveway is also included in the coverage. However, starting a business in your property in a separate building or area is typically not covered by the policy.

Otherwise known as contents insurance, the policy also includes your personal properties in the plan. However, there may be a limit of the coverage amount for particular items of high-value – such as paintings or jewelry – unless you also purchased additional coverage for the goods mentioned.

Car Coverage
While home insurance typically covers personal items and sometimes, separate structures as long as it's within your property, your vehicles, however, are not included. This is where auto insurance comes into play. What home insurance policy covers, though, are the stolen personal items from your car. Similar to the one mentioned above, there is still a limit to the given available coverage. For example, the insurance company will only cover the stolen items if they were purchased exclusively for vehicle use.

Natural Disaster Coverage
The natural disaster covered by your purchased policy is broad in range, although it may still depend on the outlined coverages. If you live in areas where tornadoes, earthquakes, or typhoons are common, then make sure you inquired about insurance policies that cover those disasters. However, what is included in the home insurance policy is hail, lightning, and windstorms. Smoke damages coverages or losses due to falling items may also be part of your plan. You can buy separate insurance for events not covered in your policy.

Fire Coverage
Because fires are what commonly cause damage to several homes, almost all home insurance policies cover losses due to fire. In individual events where there is the destruction of a home, the insurance company that covers fire damages may also include additional living expenses.

Understanding what your insurance policy covers is essential when you're confused about whether you need to purchase additional insurance or not. It will help you determine the type of policy you need, and which is a standard deductible.

At Kapasu Insurance Services Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE.