Home insurance is a vital safety net for protecting your property and belongings, but it’s important to understand what your policy doesn’t cover. Many homeowners in Tustin, CA are surprised to learn about certain exclusions that could leave them vulnerable in unexpected situations. Here are five common exclusions you should know about to avoid surprises when filing a claim.

1. Pest Damage

Damage caused by pests like termites, rodents, or insects is typically excluded from standard home insurance policies. Insurers consider pest infestations a maintenance issue, meaning it’s the homeowner’s responsibility to prevent and address them. If you live in Tustin, where termites are a known concern, regular inspections and pest control services are essential.

2. Neglect or Poor Maintenance

Home insurance won’t cover damage resulting from neglect or lack of maintenance. For example, if a roof leak worsens over time because it wasn’t repaired promptly, your insurer may deny the claim. Gambino & Wasson Insurance Brokers, Inc. advises Tustin homeowners to stay proactive with home maintenance to avoid costly out-of-pocket repairs.

3. Certain Types of Water Damage

While water damage from burst pipes is often covered, flooding caused by natural disasters or sewer backups is usually excluded. To protect against these risks, Tustin homeowners should consider purchasing flood insurance or a sewer backup rider for additional coverage.

4. Earthquake Damage

California is no stranger to earthquakes, but standard home insurance policies don’t cover earthquake-related damage. If you live in Tustin, it’s worth investing in a separate earthquake insurance policy to safeguard your home against this risk.

5. High-Value Items

Standard policies often have limits on coverage for high-value items like jewelry, art, or collectibles. If you own expensive belongings, consider adding a scheduled personal property endorsement to your policy for full protection. Gambino & Wasson Insurance Brokers, Inc. can help Tustin homeowners find the right coverage for their valuables.

Understanding these exclusions is key to ensuring your home is fully protected. If you’re unsure about your coverage, visit Gambino & Wasson Insurance Brokers, Inc. for expert advice tailored to Tustin homeowners.