Most everyone knows that a standard homeowners policy covers damage from wind, hail, fires, accidents on premises and these days even identity theft. However there are a few things still not covered under a standard homeowners insurance policy. This would include: 

  • Earthquakes
  • Mold
  • Flooding
  • Sewer or Drain Backup
  • Sinkholes

Additionally, some types of property are covered, but have limitations on how much the policy covers. This would include: 

  • Jewelry
  • Furs
  • Guns
  • Coins/Money
  • Art, Antiques & Collectibles

All is not lost however, there are options to add back coverage for almost all of these exclusions and limitations, or a separate policy may be available. Contact us today to discuss your unique needs and we can craft a policy tailored to your needs. (706) 632-3400

The video below discusses these limitations and exclusions and you might find this article from the Insurance Information Institute useful for insuring jewelry and other valuable items. 

 

About Kevin Panter Insurance

Located in Blue Ridge Georgia, and serving all of Fannin and surrounding counties, Kevin Panter Insurance is one of the leading independent insurance agencies in Northern Georgia. Representing the finest auto and home insurance carriers and the leading business insurance companies, Kevin Panter Insurance can provide you with the best in insurance value.