Understanding Exclusions and Common Pitfalls

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Exclusions: Every home insurance policy has exclusions, such as intentional damage, wear and tear, mold, and some types of water damage. Review these exclusions to avoid misunderstandings during a claim.
Coverage Gaps: If you have high-value items, unique property features, or live in a high-risk area, a standard policy might not be sufficient. Custom endorsements or separate policies can close these gaps.
Misunderstanding Limits: Be aware of sub-limits on personal property (e.g., jewelry, electronics). If these limits are low, consider scheduling valuable items for full protection.

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