Your homeowners insurance policy contains exclusions, or reasons why it won’t cover a loss.
You have a duty to take care of your house. If you neglect maintenance, your insurance company will deny a claim for repairs.
Your policy won’t cover damage that you intentionally cause to your own home. If you file a claim, you can be charged with insurance fraud.
If you damage your house while driving your car, you may have to file a homeowners insurance claim to have your house repaired and an auto insurance claim to have your car fixed.
Homeowners often assume that a loss will be covered and are surprised when a claim is denied and they have to pay for repairs themselves.
Make sure that you understand what your homeowners insurance policy does and doesn’t cover.
