07/13/2026
One of the biggest misconceptions about insurance is that it covers everything. In reality, every policy has exclusions—situations or types of damage that aren't covered.
For example, a standard homeowners policy may not cover:
🏠 Flood damage
🌎 Earthquake damage
🛠️ Damage caused by lack of maintenance
🐜 Certain pest infestations
Auto and other insurance policies have exclusions too, which is why it's so important to understand what your policy does—and doesn't—cover.
The good news? Many exclusions can be addressed with additional coverage or separate policies, depending on your needs.
Don't wait until after a claim to find out what's excluded. If you're unsure about your coverage, we're happy to review your policy and answer your questions.
📞 Contact us today at 229-758-3174 for a coverage review!