Category: Home Insurance

Storm damage is indeed a major concern for homeowners in Pooler, GA. Our area frequently experiences tornadoes and tropical storms, prompting homeowners to ponder over what type of damage their homeowner’s insurance policy will cover. Covenant Insurance can recommend an insurance policy that adequately covers all types of storm perils.

Most Policies Have Wind Damage Coverage

Whether straight-line winds or gusts from a thunderstorm cause damage, those events usually receive coverage. However, given Pooler’s location in the southeast, you should double-check your policy to ensure you’re covered for damage from tornadoes and tropical storms. Some policies may require special premiums for those events.

Wind damage could affect various structures on your property and your home. Damage to sheds and other structures, such as fences, may occur, provided coverage B stipulations protect structures outside your original residence.

What Water Damage Will My Policy Protect?

Only certain types of stormwater damage are covered by a standard homeowner’s policy. For instance, if a storm breaks open and one or more windows or siding is ripped off the side of your home, resulting in water infiltration, damage from both types of events is covered. However, flooding that may occur due to rising waters from a tropical storm or hurricane is not covered. It would be best to consider getting additional coverage for these events through a separate storm policy.

Some areas may require additional storm coverage premiums, depending on your location. Covenant Insurance, serving residents and businesses in Pooler, GA, can advise you on the types of coverage you need for complete storm protection. Contact our agents today to learn what types of storm perils your policy will cover and all associated costs.

There are many reasons you might consider buying a home insurance policy. Maybe you’ve just bought your first home, or you own an investment property. Perhaps you worry about your family’s safety and/or your belongings. Whatever your reasons are for wanting to buy a policy, it’s important that you understand what a standard home insurance policy does not cover. Covenant Insurance offers the following guide.

What Does a Home Insurance Policy Not Cover?

1. Flooding

This is one of the most common risks in many parts of the country, but it isn’t typically covered under standard homeowners policies. You’ll need to purchase flood insurance separately if you live in high-risk areas or have been told by your mortgage lender that your house is located within a flood zone.

2. Artwork

If you’re an avid collector of valuable art, your standard policy probably won’t cover the cost of replacing or repairing any pieces that are damaged or go missing. You’ll need to purchase special coverage for high-value items like this.

3. Identity Theft Protection

If someone steals your personal information and uses it to open credit cards in your name, for example, your home insurance policy won’t help you recover the money that’s been stolen. You’ll need to purchase a separate policy to cover this type of loss.

4. Earthquakes

Standard homeowner’s policies do not cover damage caused by earthquakes. If you live in an area prone to earthquakes, you’ll need to purchase earthquake insurance separately.

5. War

If your home is damaged or destroyed during a war, your standard homeowners policy won’t cover the cost of repairs or replacement. You’ll need to purchase a separate policy to protect yourself from this type of loss.

Need Insurance in Pooler, GA?

As you can see, there are many things that standard homeowners’ policies do not cover. It’s important to be aware of these things before you buy a policy to be sure you’re getting the coverage you need. Talk to a Covenant Insurance agent in Pooler, GA, to learn more about the specific coverage available to you.