While you may know the basics around homeowners insurance and what it covers, you may have questions about more specific scenarios. Get answers to some of the more common homeowners insurance questions below.
Mold, or biological deterioration, coverage depends on the source of the mold. If the mold is a result of a loss covered by your policy, such as a washing machine or dishwasher that breaks suddenly your homeowners insurance will likely cover the damage. However, the amount of protection for cleaning up the related mold is usually limited. If the mold is the result of a flood, your homeowners policy will likely not provide coverage since floods are not covered by standard homeowners insurance.
Damage to your home’s foundation likely won’t be covered under your standard homeowners insurance policy, but it depends on what causes the damage. While faulty construction won’t be covered, water damage caused by a burst pipe may be. Be sure to check with your insurance provider to see what your particular policy covers.
The personal liability coverage within your homeowners insurance will typically cover a dog bite, up to the liability limits of the policy. The medical payments portion of your policy may also help to cover medical expenses associated with injuries sustained by the individual. However, coverage could depend on the breed of your dog or if your dog has a previous bite history. Check with your insurance provider to see if there are any breeds that are excluded from coverage.
Unfortunately, termite damage is not usually covered by your homeowners insurance, nor are any other rodent or pest infestations that may occur. Termites and other instances involving pests are considered to be a maintenance issue that could be prevented by taking the proper precautions.