{"id":6,"date":"2019-11-18T03:00:00","date_gmt":"2019-11-18T15:00:00","guid":{"rendered":"https:\/\/www.theinsurancehousetucson.com\/blog\/?p=6"},"modified":"2019-11-18T14:51:54","modified_gmt":"2019-11-18T20:51:54","slug":"what-doesnt-home-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.theinsurancehousetucson.com\/blog\/what-doesnt-home-insurance-cover\/","title":{"rendered":"What doesn&#8217;t home insurance cover?"},"content":{"rendered":"<p>When you own a home, having a good home insurance policy is a must. You may think that you are protected against anything that can happen to your home when you have insurance. In&nbsp;Tuscon, AZ, like other places across the country, there are a few things that&nbsp;your home insurance doesn&#8217;t cover. At The Insurance House, we have the expertise to help you to choose the perfect home policy for your home and your budget.&nbsp;<\/p>\n<h2><strong>Home insurance doesn&#8217;t cover<\/strong><\/h2>\n<ul>\n<li>Owner Neglect<\/li>\n<li>Termite damage<\/li>\n<li>Flood water<\/li>\n<li>Mudslides<\/li>\n<li>Earthquake<\/li>\n<li>Sink Holes<\/li>\n<li>Sewer backup<\/li>\n<li>Expensive Jewelry<\/li>\n<\/ul>\n<p><strong>Owner neglect <\/strong>covers many issues. If your roof leaks because it was neglected, you are at fault, and your home insurance won&#8217;t reimburse you for the damage caused to your home.&nbsp;&nbsp;<\/p>\n<p><strong>Termite damage<\/strong> is the result of homeowner neglect and won&#8217;t be covered either.&nbsp;<\/p>\n<p><strong>Floods<\/strong> are one of the most damaging things that can happen to your home, and you need to purchase separate National Flood Insurance to protect your home.&nbsp;<\/p>\n<p><strong>Mudslides<\/strong> are often the result of earth movement, which is another name for an earthquake, which is not a covered event.&nbsp;<\/p>\n<p><strong>Sinkholes<\/strong> have become common in some areas, and they are usually not covered under a basic home policy. You may, however,&nbsp;be able to buy an additional add-on to your policy.&nbsp;<\/p>\n<p><strong>Sewer back up <\/strong>is not covered under standard home insurance. A few companies do offer an endorsement for an additional premium, and if this is something that could happen, it is worth looking into.&nbsp;<\/p>\n<p><strong>Expensive jewelry<\/strong> is not covered with your home insurance. The amount that they will pay for jewelry is typically about $1500. If you own some high-priced pieces, you should consider a jewelry rider to protect you from theft or damage.&nbsp;<\/p>\n<p>Homeowners in Tuscon, AZ&nbsp;are lucky to have The Insurance House and their experienced staff to help walk them through the complicated world of home insurance. Stop by or give our office a call for a no-obligation quote or to discuss your home insurance needs.&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you own a home, having a good home insurance policy is a must. You may think that you are protected against anything that can happen to your home when you have insurance. In&nbsp;Tuscon, AZ, like other places across the country, there are a few things that&nbsp;your home insurance doesn&#8217;t cover. At The Insurance House, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[8,7],"class_list":["post-6","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-the-insurance-house","tag-tuscon-az"],"_links":{"self":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":1,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts\/6\/revisions"}],"predecessor-version":[{"id":7,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/posts\/6\/revisions\/7"}],"wp:attachment":[{"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/media?parent=6"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/categories?post=6"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.theinsurancehousetucson.com\/blog\/wp-json\/wp\/v2\/tags?post=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}