Homeowner’s Insurance Policy Exclusions

Have you ever been involved in a car accident or motorcycle accident only find out the exclusions in your insurance policy won’t cover the damage to your vehicle? Are you currently searching for a new homeowner’s insurance policy but worried you might encounter a similar issue? Although this type of insurance is supposed to provide you with important financial protection for your property, each policy contains exclusions and limitations that greatly impact the amount of coverage you will have when you need it most.

Most homeowners’ insurance policies offer two types of coverage:

  • Coverage for repairs or replacement of property caused by covered perils
  • Personal liability coverage for people injured on your property

The following are common examples of some of the things that might not be covered under a standard homeowners’ insurance policy:

  • Dog bite coverage
  • Animal coverage
  • Swimming pools
  • Inflatables/bounce houses
  • Trampolines
  • Carports
  • Porches
  • Screened sunrooms
  • Pool enclosures
  • Awnings
  • Dock and boat lifts

Unfortunately, many of the items listed above are usually the first to be damaged when a storm or another type of natural disaster occurs. The language of a homeowner’s insurance policy can be confusing if you are not a legal professional, and often, these agreements will disguise the events, causes, and disasters that won’t be covered under the policy by using complicated legal terms intended to confuse the policyholder.

Consult with The Fran Haasch Law Group Today

If you have questions about insurance coverage for your property, you should get in touch with our dedicated legal team at The Fran Haasch Law Group to discuss your situation. We are here to make sure you understand all of your options under the law so that your best interests are fully protected.

Call (727) 784-8191 to set up a free evaluationwith a member of our law firm today.

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