Homeowners’ insurance covers many issues that affect homeowners. However, it doesn’t cover everything. There are some issues that don’t fall under a typical homeowners insurance policy. It can be difficult to determine what’s covered and what’s not. Our InsPeak insurance team understands that homeowners insurance can be difficult to navigate. This is why we are here to help our Arlington, TX residents understand how homeowners insurance works as well as what’s covered.
What is Homeowners Insurance?
Many homeowners would be unable to pay for unexpected damage to their homes. This is why homeowners insurance is extremely beneficial. Your homeowner’s policy will pay for the repairs if a tree falls on your home. If your house is damaged by fire or vandalism, homeowners insurance will cover the repair or replacement of your home. This insurance covers many areas of concern for a homeowner. Damage from vandalism, lightning, wind, hail, and smoke are all covered under a homeowners’ policy. Damaged furniture, clothing, and other personal belongings are also covered, and much more.
Will Homeowners Insurance Cover Termite Damage?
Unfortunately, homeowners insurance will not cover damage caused by termites. Termite damage is considered a preventable situation and would fall under negligence. In fact, any damage caused by pests is usually not covered under a standard insurance policy. All of these situations are considered preventable if they’re treated early. Damage from pests and termites is caused by negligence according to most homeowners’ insurance policies. A homeowners policy won’t cover issues with rodents, termites, and other pests. Insurance companies consider damage from pests and rodents to be the result of poor maintenance and upkeep.
Contact Us at InsPeak in Arlington, TX
If you have questions regarding what a homeowners’ insurance policy covers, call us. We’d be happy to answer all of your questions.