{"id":8,"date":"2020-08-23T04:00:00","date_gmt":"2020-08-23T10:00:00","guid":{"rendered":"https:\/\/www.carywheelerins.com\/blog\/?p=8"},"modified":"2020-08-23T13:04:48","modified_gmt":"2020-08-23T19:04:48","slug":"what-you-need-to-know-about-home-insurance-exclusions","status":"publish","type":"post","link":"https:\/\/www.carywheelerins.com\/blog\/what-you-need-to-know-about-home-insurance-exclusions\/","title":{"rendered":"What You Need to Know about Home Insurance Exclusions"},"content":{"rendered":"<p><span style=\"background-color:white\"><span style=\"color:#222222\">No matter what type of insurance policy you are buying in Richmond, VA, there are likely some common perils that the insurance company won&rsquo;t cover. Knowledge is going to be power, so you know if you have a home insurance claim. Knowing what your policy includes and excludes will help you know when it&rsquo;s best to purchase some extra coverage.&nbsp;<\/span><\/span><\/p>\n<p><span style=\"background-color:white\"><span style=\"color:#222222\">The only way to know what is excluded in your policy in Richmond, VA is to read your policy carefully or speak with an agent at&nbsp;<\/span><span style=\"color:#272727\">Cary-Wheeler &amp; Associates, Inc. However, there are a few things that are generally excluded from most policies.<\/span>&nbsp;<\/span><\/p>\n<ul>\n<li><span style=\"background-color:white\"><span style=\"color:#272727\"><strong>Building Code Upgrades<\/strong>: If you have suffered damage and want to upgrade while rebuilding, this is usually not covered since the policy pays for what is initially insured. However, you can get a rider for this coverage to give you an amount toward upgrade costs.&nbsp;<\/span><\/span><\/li>\n<li><span style=\"background-color:white\"><span style=\"color:#272727\"><strong>Flooding<\/strong>: If your basement floods or there is a natural disaster that causes flooding, you won&rsquo;t have coverage under your home insurance and will need to purchase flood insurance if you want protection.&nbsp;<\/span><\/span><\/li>\n<li><span style=\"background-color:white\"><span style=\"color:#272727\"><strong>Home Business Accidents<\/strong>: If you run a business out of your home, this needs to be insured separately. A small business may only need a rider to your current policy, but other businesses require separate business insurance.&nbsp;<\/span><\/span><\/li>\n<li><span style=\"background-color:white\"><span style=\"color:#272727\"><strong>Earth Movements<\/strong>: If you have a home on a cliff, it&rsquo;s essential to be aware of the risk. A standard policy won&rsquo;t pay for landslides or other house slides. This is considered earth movement and will be excluded. Other things under earth movement include sinkholes or earthquakes.&nbsp;<\/span>&nbsp;<\/span><\/li>\n<li><span style=\"background-color:white\"><span style=\"color:#272727\"><strong>Intentional Loss<\/strong>: If you did something on purpose with the intent to cause a loss, then you won&rsquo;t be able to file a claim.&nbsp;<\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"background-color:white\"><span style=\"color:#222222\">Contact&nbsp;<\/span><span style=\"color:#272727\">Cary-Wheeler &amp; Associates, Inc. to get a quote on home insurance.&nbsp;<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>No matter what type of insurance policy you are buying in Richmond, VA, there are likely some common perils that the insurance company won&rsquo;t cover. Knowledge is going to be power, so you know if you have a home insurance claim. Knowing what your policy includes and excludes will help you know when it&rsquo;s best [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[10,9],"class_list":["post-8","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-cary-wheeler-associates-inc","tag-richmond-va"],"_links":{"self":[{"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/posts\/8","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/comments?post=8"}],"version-history":[{"count":1,"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/posts\/8\/revisions"}],"predecessor-version":[{"id":9,"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/posts\/8\/revisions\/9"}],"wp:attachment":[{"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/media?parent=8"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/categories?post=8"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.carywheelerins.com\/blog\/wp-json\/wp\/v2\/tags?post=8"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}