As a homeowner, you buy home insurance for your peace of mind (and also, because it’s usually a mortgage requirement.) But did you know that not all of the damage your Houston, TX home may sustain is covered by your policy? No matter what your individual Insurance Over Texas policy stipulates, here are three types of damage that are never covered by standard home insurance.

Specific Natural Disasters

Texas is plagued by hurricanes and other severe natural events from time to time. Still, if your home sustains damage from a natural event, the repairs can’t be reimbursed if you only hold a standard home insurance policy. Here are the types of natural disasters that can’t be covered:

• floods
• ground shifts resulting from earthquakes
• damage sustained from strong winds and hurricanes

If you have flood insurance or hurricane insurance, your home is protected. Those are separate policies from the one most homeowners buy.

Lack Of Maintenance

If you neglect your home or allow it to fall into disrepair, you cannot be reimbursed by insurance. Normal wear and tear are not covered by most Houston, TX policies; home insurance is meant to protect your home from sudden occurrences and emergencies. Likewise, if you choose not to make repairs to your home when signs of wear become visible, you void your home insurance policy.

Bug And Rodent Infestations

While your home insurance is useful in covering most unfortunate circumstances, it will not cover vermin infestations. If your home is overcome by roaches or mice, you have to pay out of pocket to exterminate them.

Getting rid of bedbugs can be exceptionally costly, since you may have to replace a portion of your belongings in order to ensure that the bugs won’t return after they are chemically killed off. Bed bug eggs may remain in certain fabric belongings which may need to be thrown away. Even the replacement of these belongings cannot be covered by your homeowner’s policy, however

Are you ready to consult an Insurance Over Texas agent about your new homeowner’s policy? Visit our offices or contact us online to ask some questions or find the policy that fits your needs best.