Owning a home in Sioux Falls, SD is something people aspire to accomplish. Homeownership is part of the American dream. When you own a home, you will need to carry home insurance if you have a mortgage to protect the lender’s investment in your home. Your home insurance also offers you, as the homeowner, lots of protection in the form of personal property and liability. But many things can go wrong with your home and it may not be covered by home insurance. It is crucial you know what these things are. At Wilcoxon Insurance, Inc., we use our years of experience to make your insurance experience positive and productive and give you the facts you need to make an educated decision.
Many of the things that can go wrong with your home are the result of neglect. Mold, mildew, termites, and rodent infestations are all not covered. If you fail to replace your roof and it causes wood rot, this is not included. If your sewer backs up into your house or a sump pump fails, you are out of luck. If a sinkhole appears in your yard or under your home, it is not covered. Hurricane damage may be cover but always check, and floods and earthquakes are not included in your coverage.
Reading your policy is one of the most important things that you can do to make sure you have all the coverage you need. Just because something is excluded from your policy doesn’t mean that you can’t get an endorsement to give you the coverage you need. Talking to the team at Wilcoxon Insurance, Inc. in Sioux Falls, SD can make all the difference when it comes to getting all the coverage you deserve. Give the office a call to make an appointment today.