Dotterer Insurance

December 26th is National Homeowners Day, a timely opportunity to highlight the importance of well-rounded coverage for your home.

While homeowners insurance covers many risks, it doesn’t cover everything. Here are a few areas where standard policies may leave gaps:

⭕ Flood damage - Rising water from heavy rain or overflowing rivers isn’t included in most homeowners policies.
⭕ Earthquakes - Standard coverage usually leaves a home unprotected from earthquake damage.
⭕ Sewer or drain backup - Even small backups can lead to expensive cleanup and repairs, which are typically only covered with optional protection.
⭕ High-value items - Jewelry, fine art, collectibles, and other expensive items often exceed standard policy limits.

For coverage in these areas, separate policies may be necessary. If you want to explore whether additional coverages are needed, give us a call today. We’re here to help ensure your home is properly protected.