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When you buy home insurance you are determined to make sure every possible eventuality is covered. That isn’t ever really possible since all home insurance policies have exclusions. You need to read the exclusions section of your policy carefully to determine if you can live with the risk. If not, most of them have ways that you can include the needed coverage. In Laurel, MD, Mid Atlantic Insurance Financial has been serving the needs of residents since 2005. We are family-owned and operated and strive to develop a relationship with our customers to help us provide the right information and coverage.
Floods
Probably the most shocking item that isn’t covered is flooding. Floods are one of the most damaging natural disasters, and they can strike without warning across the country. Rivers, creeks, and even streams can come charging over their banks. Hurricanes can churn up the Gulf of Mexico or the Atlantic Ocean. No one is safe. If you find the risk too high, and you want to get coverage, the NFIP offers flood insurance to residents of a participating community.
Earth Movement
This category covers several types of earth movement. California is the most active place for earthquakes, but it is far from the only place in the country to experience them. Mudslides and sinkholes are also types of earth movement. Sinkholes have become bigger, more frequent, and in locations that are unexpected. You can add an endorsement to your policy or get a separate policy.
Owner neglect
As the owner of your home, it is your responsibility to maintain that home. This means replacing a roof before it is so bad that it allows your home to be damaged. It means making sure that you get pest treatment so that termites don’t damage your home.
Contact Mid Atlantic Insurance Financial in Laurel, MD for all your home insurance needs.