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  • Writer's pictureDaran Bedenbaugh

Don't Assume You're Covered: The Importance of Reviewing Your Insurance Policy

As a homeowner, you rely on your insurance policy to protect your investment in case of damage or loss. But what if you assume you're covered for something, only to find out too late that you're not? It happens more often than you might think. In this post, we'll explore the importance of reviewing your insurance policy and highlight some of the common items that homeowners assume are covered, but may not be.

Flood Damage:

Many homeowners assume that their insurance policy will cover them in the event of a flood, but this is often not the case. Flood damage is typically excluded from standard homeowners' insurance policies, and you'll need to purchase a separate flood insurance policy to protect your home and belongings. This is particularly important if you live in a high-risk flood zone, but it's a good idea to check your policy regardless of where you live.


Mold is another item that homeowners often assume is covered by their insurance policy, but this is not always the case. While some policies may cover mold damage resulting from a covered peril, others may exclude it altogether. It's important to check your policy to see what's covered and what's not, and to take steps to prevent mold growth in your home, such as addressing any leaks or moisture issues promptly.

Sewer Backup:

A sewer backup can cause significant damage to your home, but it's not always covered by standard homeowners' insurance policies. In fact, many policies explicitly exclude damage caused by a sewer backup. If you're concerned about this type of damage, you may want to consider purchasing a separate endorsement or policy to protect your home.

It's important to review your insurance policy on a regular basis to ensure that you're adequately covered for any potential risks. Don't assume that you're covered for something, as you may be in for an unpleasant surprise if you need to make a claim. By taking the time to review your policy and understand what's covered and what's not, you can help protect your home and your investment.

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