Home insurance protects your home and belongings in case of a covered loss. However, it’s essential to understand what your policy does and does not cover. This blog post will look at a few examples of what most home insurance policies in Hope Hills, NC don’t cover.

High-End Jewelry

Many home insurance policies limit how much they will pay for high-end items such as jewelry. You will need to purchase additional coverage if you have any jewelry worth more than your policy’s limit. Schedule a home inventory with your insurance agent to determine how much coverage you need. They will help you assess your belongings’ value and ensure you have enough coverage.

Flooding

Another common exclusion in home insurance policies is flooding. Flooding is not included in home insurance because it’s a familiar and costly type of damage. To cover flooding, you must purchase a separate flood insurance policy. If you live in an area prone to flooding, ask your agent about buying flood insurance. At Cross Creek Insurance, we can help determine if you need flood insurance and how much coverage you need.

Personal Property limits

Many home insurance policies limit how much they will pay for certain types of personal property. For example, there may be a limit on how much the policy will pay for electronics or clothing. We recommend doing a home inventory with your agent to ensure you have enough coverage for all your belongings.

It’s essential to understand what your home insurance policy covers and doesn’t cover. Be sure to talk to your Cross Creek Insurance agent about any concerns you have about your coverage. We’re here to help you get the protection you need.