yes noHomeowner’s insurance Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected. Here are a few things not covered under a standard home insurance policy. Business Activities If you run an in-home business, your homeowner’s insurance will not cover the liability arising out of running your business. Homeowner’s insurance will also not cover damaged property owned by the business. We recommend you purchase a business owners policy. Your Sewer Backed Up Torrential downpours could cause sewer backups into your drains and basements, causing thousands of dollars in damage. Most sewer backups, however, are not covered under a standard policy, nor are they covered by flood insurance. The good news: You may be able to purchase a separate rider for protection. Certain Dog Breeds Certain dog breeds are also sometimes not covered under your homeowner’s liability insurance. While the list varies by insurance carrier, breeds that are large or thought to be aggressive—like pit bulls, Rottweilers and German shepherds may not be covered under your policy. Flood All homeowner’s insurance policies do not cover damage resulting from flood. You will need to obtain coverage through the Federal Flood program. Wear & Tear Insurance is designed to cover unexpected accidents. If your carpet is worn out, that does not constitute a covered claim. ATV, Boats And Other Motorized Equipment Recreational equipment such as an ATV used in your own backyard is not covered. If you take that same ATV off of your property and sustain a loss it is also not covered under your homeowner’s insurance. These items require separate insurance and we can provide you with options. Items You Borrow If you borrow your neighbor’s boat for the day and damage it, your insurance may not the pay for the damage or liability. The same would hold true if you lent your boat to your neighbor. Your boat insurance would be the policy that responds, if you had one. If you feel your organization’s possible risks are well-managed, J.S. Edwards & Sherlock Insurance Agency can help make sure it stays that way through our expert consulting services. Keeping your risks well-managed won’t do you much good if your organization isn’t fulfilling its potential. Give us the chance to show you the endless possibilities just waiting to be taken advantage of.

Contact Us Today

For more information about our risk management or consulting services, or if you’re ready to get started with either, call a representative today at 409-832-7736. J.S. Edwards & Sherlock Insurance Agency is committed to providing you with a high quality consulting and risk management experience to aid you in keeping your overall costs and incident occurrences down.