As a North Carolina homeowner, you rely on your home insurance to protect your biggest investment. But many homeowners are shocked to discover that a standard HO-3 policy doesn't cover everything. From floods to mold, understanding your policy's exclusions is the key to avoiding financial disaster.
Common Home Insurance Exclusions
Flooding
Standard policies never cover flood damage from weather events. You need a separate Flood Insurance policy.
Earthquakes & Earth Movement
Sinkholes, landslides, and earthquakes require specific endorsements or separate policies.
Pest Damage
Damage from termites, rodents, or bed bugs is considered a maintenance issue and is not covered.
Wear and Tear
Gradual deterioration, rust, or general maintenance issues are the homeowner's responsibility.
Best Practice: The Annual Policy Review
Don't wait for a claim to find out what's missing. Review your policy annually with a TrueGuard agent to identify gaps and add necessary endorsements like water backup coverage or scheduled personal property.
How to Fill the Gaps
- Water Backup Endorsement: Covers damage if a sump pump fails or a sewer backs up into your home.
- Scheduled Personal Property: Adds extra coverage for high-value items like jewelry, art, or firearms that exceed standard limits.
- Service Line Coverage: Pays for repairs to underground utility lines connecting your home to the street.
Don't Get Caught Underinsured
Let our licensed NC agents review your current policy for free. We'll spot the gaps and shop 12+ carriers to find you better coverage at a better rate.
