Understanding Home Insurance Coverage in Tennessee
The weather in Tennessee can be harsh, posing significant challenges to houses in the area. As a homeowner, you must be aware of the risks your home may face from threats like fire, high winds, heavy snow, theft, or vandalism.
Additionally, your home can deteriorate due to age, regular wear and tear, and potential liability claims. At Riskbusters Insurance, we help protect your home from many of these perils while also shedding light on the aspects considered wear and tear or maintenance—which are usually not covered under a standard home insurance policy.
When Standard Home Insurance Might Not Apply
There are several instances when a standard home insurance plan may not cover the damages. Here are a few examples:
- Infestations: Homes in Tennessee often encounter infestations from various pests and insects. Damage from these infestations typically isn’t covered under homeowners’ insurance, as preventing infestations is viewed as part of regular, preventable maintenance.
- Rot: Siding or wood fencing damage due to rot generally falls within the maintenance category and should be addressed before it occurs. Even in a windstorm, if a fence is blown down, coverage may be contested if rotting is apparent.
- Major Repairs: Questions arise about whether major repairs are covered under home insurance. They will likely not be covered if these repairs are necessary due to age, natural wear and tear, or lack of maintenance. For instance, issues with worn-out furnaces, aging air conditioning systems, and weathered roofs won’t be covered. Because insurance is designed to protect from sudden and unexpected losses due to covered events, wear and tear or inadequate maintenance usually isn’t covered.
Secure a Quote for Your Home Insurance Today
If you hold a property in Tennessee, we encourage you to get a home insurance review and price quote from Riskbusters Insurance. We are prepared to answer your queries and enhance your peace of mind, ensuring you’re protected from potential threats. Contact us today to secure your quote.
