Common Limitations and Exclusions Found in Most Insurance Policies

What Is Insurance Designed to Do?
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Most people who buy insurance do not fully understand their coverage until they have a claim.  Once you have a claim, it is impossible to make any changes.  Insurance is designed to protect you from unforeseen events or accidents. Insurance is not intended to cover every accident or loss.

These are the apparent exclusions in every policy:

• Intentional acts
• Flood
• Earthquake
• Arson by insured
• Riot or civil unrest
• Governmental Actions
• Landslides

Typical exclusions of which you might not be aware:

• Operating a business out of your home
• Renting out your house on Airbnb
• Certain dog breeds
• Trampolines – may have coverage with restrictions
• Sewer backups

Insurance is something we know and understand.  We can help you understand how insurance can help you protect your assets.  We offer many different kinds of insurance products and have a professional staff that is ready to serve you