06/24/2026
It is a common myth that homeowners' insurance covers every repair.
In reality, understanding the difference between a covered peril and routine maintenance is key to protecting your investment.
Think of your policy as a safety net for the unexpected, such as a tree falling during a summer storm.
On the other hand, general wear and tear, such as an aging dishwasher or a roof nearing the end of its lifespan, typically falls under home maintenance.
Not sure where your coverage begins and ends? We’re here to answer your questions. Visit algainsurance.com for a clear look at your protection.