Is Plumbing Included In Your Home Insurance Coverage?

Having your own home can be quite freeing, especially if you have been renting for some time. You have to think about monthly dues regularly. However, owning a property comes with its own set of problems.

One of them would be plumbing. Some insurance companies do not include plumbing services as part of the policy. Fortunately, you will be able to solve this problem by making sure that your Home Insurance is up-to-date. 
​
Your specific Home Insurance coverage points will cover some plumbing issues that you might encounter as the homeowner.

Dealing with the Limitations
You also have to be aware of these coverage points. Certain scenarios won't allow homeowner insurance to help you out. For example, if your pipes burst and damage the floor of your kitchen, your home insurance policy may cover repair and replacement of the floor damage. 

However, it doesn't necessarily mean you would be covered with pipe or plumbing replacement and repair.

Fortunately, certain types of insurance coverage can help you deal with the limitations of your existing Home Insurance policies. These are as follows:

The Dwelling Coverage
It protects the structural integrity of your home. It will help pay for repair costs if you need to renovate because of property damage due to a plumbing incident. If your carpet is damaged, it may be covered by dwelling coverage. The same goes for floors and walls.

Personal Property Coverage
This particular feature will reimburse the homeowner for the value of their belongings. For instance, if the burst pipes damage your clothes or closet in the process, your property coverage feature may end up replacing your damaged clothing.

Additional Living Expenses
This kind of coverage point applies to damage that is so severe that you would have to move out of the home. These particular coverage points will help pay for hotel accommodations and travel and food allowances.

The Conclusion
Of course, you would still have to make sure that your insurance company has these additional features before anything else. This way, you will feel protected, even more, knowing that you won't have to spend your days on the street after significant flooding inside the house.

Surely, our insurance agents will help you figure out more information about these coverage points and what limitations they can provide for you as the homeowner.

At Family Auto Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!