Home insurance provides valuable coverage to homeowners. With all the things that can go wrong, you feel safe knowing your home insurance will be there when you need it. It protects you from many things such as fire, theft, and some natural disasters, but it doesn’t cover everything. If you read your policy, you will find that there are exclusions. With an independent agency like Bryan Insurance Agency, LLC in New Windsor, NY, you can count on having the help you need to choose your policy and file a claim. With 15 carriers to offer and our 16 years in business, we are ready to make sure you have the right coverage. 

Flood

Floods cause billions of dollars of damage every year, and if you’re counting on your home insurance to protect your largest investment, you will be disappointed. Floods are not covered. If you live in an area where floods are common or if they are a possibility, you should consider purchasing a flood insurance policy. 

Earth movement

Earth movement is a general term that encompasses several different types of natural disasters, including earthquakes, sinkholes, and mudslides. None of these are covered, but you can purchase a separate policy and, in some cases, an endorsement to get the coverage you need. 

Owner negligence

You are the homeowner. You are expected to maintain your home. If you end up with home damage resulting from your not doing what was necessary to avoid that damage, your insurance will refuse to pay. If your roof leaks due to lack of upkeep or you have termites because you don’t get your home treated, you are responsible for the damage. 

Knowledge is power and knowing what you need to protect yourself from is important. Call us at Bryan Insurance Agency, LLC in New Windsor, NY for a no-obligation quote.