It is an unfortunate fact of life that bad things can happen to, or in, people’s homes. In the event of a tragedy, you may not be covered under your homeowners insurance policy due to exclusions. A lot of people may think they are covered for something when they really are not.
There are limitations and exclusions in home insurance policies you may or may not know about. Below are ten things you may need to have additional coverage for.
Exclusion #1. Injuries From a Trampoline
Many insurance companies want nothing to do with trampolines and the risk of injuries that can occur from their use. In 2011 over 83,000 injuries occurred causing tens of thousands to be taken to an emergency room. But if you are dead set on having a trampoline, then a separate policy may be needed and certain precautions will be required for the policy to stay in force.
It would be ridiculous to expect anyone to know all that there is to know about home insurance. But unfortunately what can happen is people making assumptions that can become well known as facts when they are really fiction. To help with that, the following are 10 common myths people believe about home insurance.
Myth #1: Flood damage is covered under a home insurance policy. It would be nice if this were true but in order to have coverage against a flood and the damage it can cause, a separate flood insurance policy needs to be purchased.
Whether your car is your baby or just a means to get from A to B, you need to insure it in order to comply with legal requirements and to protect your financial interests. If you want best value auto insurance in Coral Gables, Cutler Bay, Kendall, Miami, Palmetto Bay, Pinecrest or Homestead, then Filer Insurance is a car insurance option that can help. They know where and how to car insurance discounts so you pay less for the same coverage.
When you take out car insurance you should provide your broker or agent with all the positive indicators that can help you get additional discounts. Factors that can help you get discounted auto insurance include your driving record, your driving habits, the type of car you own, security devices fitted to your vehicle, where you live, how old you are, no claims history, good credit record, your education, whether you own your own home and so on. The more stable you appear to the insurance carrier the lower your premiums are likely to be.
Often, when we think of hot tub drowning hazards in a home environment, the two things that come to mind are the bathtub and the swimming pool. While those are good examples of possible danger zones where drowning accidents can occur, they are not the only risky locations that might be in your home. Hot tubs and Jacuzzis offer another location of hazards where a child, or even an adult, could be at risk of drowning and related injuries.
Proper Hot Tub Usage: The first step in practicing hot tub safety at home is to create rules for hot tub usage. Some examples include:
- Children should never be permitted to use the hot tub alone.
- Young children should not be permitted to use the hot tub even with supervision as the heat from the hot tub can cause injuries and even brain damage.
- Adults may be able to use a hot tub alone, but they should rethink doing so when they have been drinking, are drowsy or have taken any medication which can make them sleepy. Falling asleep in a hot tub is risky for anyone of any age. In addition, the heat from a hot tub can be especially dangerous for those who have been drinking.