What Is Not Covered by Home Insurance?

Home insurance is an essential purchase for any homeowner, as it provides protection against various kinds of risks and losses. Many homeowners mistakenly believe their home insurance plans cover everything, but this is not the case. There are certain risks and losses that are not covered by home insurance, and it’s important for homeowners to be aware of these exclusions.

Home Warranty Companies

Home warranty companies provide additional coverage for certain risks and losses not covered by home insurance. These companies provide coverage for the repair or replacement of major home systems and appliances, such as heating and air conditioning, plumbing, and electrical systems. Some home warranty companies may also cover the costs of emergency repairs due to natural disasters.

Floods and Earthquakes

Floods and earthquakes are two of the most common causes of property damage and losses, but they are not typically covered by home insurance. Homeowners can purchase separate flood and earthquake insurance policies to provide additional coverage for these risks.

Mold Damage

Mold is a common issue in homes, and it can cause extensive damage to the structure and contents of a home. Mold damage is generally not covered by home insurance policies, so homeowners should take precautions to prevent mold from growing in their homes.

Sewer Backup

Sewer backup is another common cause of property damage and losses. This type of damage is not covered by home insurance, but some home warranty companies may provide coverage for it.

4Change Energy Reviews and Houston Energy Plans

4Change Energy is a Houston-based energy company that provides residential customers with electricity plans and services. They have received positive reviews for their customer service and competitive rates. 4Change Energy offers a variety of Houston energy plans, including fixed-rate, variable-rate, and prepaid plans. Customers can also take advantage of the company’s low electricity rates in Houston.

Conclusion

Homeowners should be aware that there are certain risks and losses that are not covered by home insurance. Home warranty companies can provide additional coverage for certain risks, while homeowners can purchase separate flood and earthquake insurance policies. Additionally, 4Change Energy offers competitive Houston electricity rates and a variety of energy plans.