{"id":34,"date":"2022-07-29T04:00:00","date_gmt":"2022-07-29T10:00:00","guid":{"rendered":"https:\/\/www.infinityinsgroup.com\/blog\/?p=34"},"modified":"2022-08-02T18:01:25","modified_gmt":"2022-08-03T00:01:25","slug":"whats-not-covered-by-a-standard-home-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.infinityinsgroup.com\/blog\/whats-not-covered-by-a-standard-home-insurance-policy\/","title":{"rendered":"What&#8217;s NOT Covered by a Standard  Home Insurance Policy?"},"content":{"rendered":"<p><span style=\"color:#000000\">Our agents at <\/span>Infinity Insurance Group<span style=\"color:#000000\"> are here to protect your Post Falls, ID home from events like fire, theft, and natural disasters, just to name a few. By working with our dedicated insurance experts, you&rsquo;ll be building a home insurance policy customized to fit your personal needs.&nbsp;<\/span><\/p>\n<h2><span style=\"color:#000000\">What&rsquo;s Covered?&nbsp;<\/span><\/h2>\n<p><span style=\"color:#000000\">As you probably already know, some of the common events a homeowners policy in Idaho include:&nbsp;<\/span><\/p>\n<ul>\n<li><span style=\"color:#000000\">Theft<\/span><\/li>\n<li><span style=\"color:#000000\">Fire&nbsp;<\/span><\/li>\n<li><span style=\"color:#000000\">Lightning&nbsp;<\/span><\/li>\n<li><span style=\"color:#000000\">Hail&nbsp;<\/span><\/li>\n<li><span style=\"color:#000000\">Wildfires&nbsp;<\/span><\/li>\n<li><span style=\"color:#000000\">Vandalism&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"color:#000000\">It&rsquo;s also important to familiarize yourself with some of the common coverages, which include personal property, dwelling, medical expense, and personal liability.&nbsp;<\/span><\/p>\n<h3><span style=\"color:#000000\">What&rsquo;s NOT Covered?&nbsp;<\/span><\/h3>\n<p><span style=\"color:#000000\">But you might be wondering, &ldquo;What&rsquo;s NOT covered by a standard home insurance policy?&rdquo; That&rsquo;s an excellent question, and that&rsquo;s exactly what we&rsquo;re going to address in this post.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">If you have a standard homeowners policy, it won&rsquo;t cover damage to your home&rsquo;s structure or damage to your personal property if the damage was caused by flooding.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">The good news is that<\/span> Infinity Insurance Group <span style=\"color:#000000\">offers flood insurance from the National Flood Insurance Program. With this coverage, your home, personal belongings, and everything else that&rsquo;s part of your home will be protected.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">Another event that isn&rsquo;t covered by your homeowners&#8217; policy is damage from earthquakes, even though Idado experiences hundreds of earthquakes every year. Fortunately, you can add earthquake coverage to your existing home insurance policy.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">Although your homeowners&#8217; policy most likely covers certain kinds of water damage, it&rsquo;s only covered if the damage is unexpected or sudden &ndash; and it only covers the damage up to a certain limit. Because a number of areas in Idaho experience heavy amounts of rainfall, adding water backup coverage and sump pump failure would be a smart thing to do.&nbsp;<\/span><\/p>\n<h3><span style=\"color:#000000\">Give Us A&nbsp;Call<\/span><\/h3>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Arial\"><span style=\"color:#000000\">If you&rsquo;re interested in buying affordable homeowners insurance or you have more questions about what your policy will or won&rsquo;t cover, contact Infinity Insurance Group in Post Falls, ID.&nbsp;We look forward to helping you and giving you the coverage you deserve. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our agents at Infinity Insurance Group are here to protect your Post Falls, ID home from events like fire, theft, and natural disasters, just to name a few. By working with our dedicated insurance experts, you&rsquo;ll be building a home insurance policy customized to fit your personal needs.&nbsp; What&rsquo;s Covered?&nbsp; As you probably already know, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[7,6],"class_list":["post-34","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-infinity-insurance-group","tag-post-falls-id"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/posts\/34","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=34"}],"version-history":[{"count":1,"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/posts\/34\/revisions"}],"predecessor-version":[{"id":35,"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/posts\/34\/revisions\/35"}],"wp:attachment":[{"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=34"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=34"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infinityinsgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=34"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}