Homeowners insurance helps protect families against expensive losses from unexpected events like theft, vandalism, fire, and other hazards. Many people believe their homeowner’s insurance protects them from flood damage, but this is not always true. At Toney Insurance Services in Snellville, GA, we can help you understand the water damage coverage in your homeowners insurance policy.
Water Damage Your Homeowners Policy Will Cover
Your policy will generally cover water damage that occurs inside the house, such as when your washing machine or dishwasher overflows, a pipe bursts in extreme cold, or a roof leak that allows water inside your home. It will also cover damage from water used to put out a fire or from ice dams that occur in cold climates. Water damage from a swimming pool leak or sump pump failure is not covered under standard homeowners insurance.
Flood Insurance Is A Different Type of Coverage
Homeowners’ insurance generally does not cover damage from water outside the home, such as flash flooding or a sewer backup. For this type of water damage, you will need a flood insurance policy, which will cover damage to the building and much of its contents. If you live in an area prone to flooding, your mortgage holder may require you to have flood insurance in addition to standard homeowners insurance.
Choose Toney Insurance Services For Your Homeowners Insurance
The experienced agents at Toney Insurance Service in Snellville, GA, can provide detailed information on coverage in your standard homeowners insurance policy and advise you on whether additional insurance is advisable. Contact Toney Insurance Services today for a no-obligation quote on homeowners insurance to protect your property in case of unexpected water damage.
