Home insurance in Kutztown, PA covers many of the things that can go wrong and cost home owners a great deal of money. There are some things, however, not covered by typical policies. Sometimes home owners can purchase additional coverage to protect their belonging and their home from excluded occurrences.
Flooding, for example, is typically not covered. Home owners who live in flood-prone areas may be required by their mortgage company to carry a separate flood insurance policy. Non-covered losses include sewer backups, water that seeps in through the foundation and flooding from storms or overflowing streams. While flooding from outdoor water is usually excluded, water damage may be covered if the water comes from inside the home. If a water pipe bursts and damages furniture, electronics and carpeting, home insurance in Kutztown, PA may provide coverage to replace the destroyed property.
Damage from earthquakes is also not covered. While earthquakes are not common in Pennsylvania, they can cause serious damage if the home was not built to withstand shaking ground. Unfortunately, if the home owner does not purchase a separate earthquake policy, they will have to absorb the costs of the damages from the quake.
Home insurance in Kutztown, PA does not typically cover home businesses. Business equipment and other losses related to a business are usually not covered in a home insurance policy, even when that business is located within the home. This exclusive also applies to liability coverage. Business owners who provide consultations in their home office are not covered if their client trips and falls inside the home. A separate policy that provides liability coverage for a home business may cover may excluded occurrences.
Sometimes unusual incidents occur and home owners turn to their insurance policy for help. While some of them may be covered, they usually aren’t. For example, if a home slides off of a cliff or deemed unlivable due to a landslide, home insurance in Kutztown PA will probably not cover the loss. Similarly, if a home is swallowed by a sinkhole, insurance isn’t going to cover the loss. Homes that are built above old mines may be eligible for separate coverage by the state’s Mine Subsidence Authority.
