We like to review policies with our clients at Wenatchee Insurance to look for exclusions or limitations.
Exclusions and Limitations basics:
The Fine Print Follies
Reading the fine print of your home insurance policy can feel like deciphering an ancient scroll. But fear not! Wenatchee Insurance is here to help you uncover any exclusions or limitations, with a touch of humor to keep you entertained.
The Mystery of the Mold Exclusion You might think mold is just a minor inconvenience, but in the insurance world, it’s often excluded. It’s like finding out King Pizza doesn’t deliver to your side of the Columbia River – a disappointing surprise!
The Infamous Flood Exclusion Floods are the party crashers of natural disasters, not covered by standard homeowners’ policies. Make sure you have separate flood insurance, or you’ll be left high and dry – or rather, wet and uninsured.
Lenders will require flood insurance when you move to certain FEMA-designated flood zones so be prepared for this added cost when buying a new home.
The Earthquake Enigma Earthquakes aren’t always part of the standard package. It’s like ordering a burger and realizing fries are extra. We do get tremors in Washington state, so consider adding earthquake coverage to avoid a costly shake-up.
The Termite Terror Termites might be small, but they can cause big damage. Unfortunately, most policies exclude insect damage. It’s like finding out your least favorite insect is planning a surprise visit. Regular inspections and pest control can help keep them at bay.
The Mysterious Maintenance Issues Routine maintenance issues like plumbing leaks or roof repairs are generally your responsibility. It’s like realizing you have to do your own laundry – a necessary chore that insurance won’t cover.
The Pet Problem Got a furry friend with a penchant for destruction? Most policies don’t cover pet-related damage. It’s like discovering your adorable puppy has a dark side. Keep Fido out of trouble to avoid any unpleasant surprises.
Summary
Wenatchee Insurance helps you navigate the fine print so you’re never caught off guard by exclusions or limitations. Stay informed and stay protected!
Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, flood, Cheap Insurance, Exclusions
