Watch Out For these Common Home Insurance Gaps

Are there gaps in your home insurance?

While many homeowners assume that their home insurance protects them from every emergency, this isn’t always true.  In fact, there are many coverage gaps in standard homeowners insurance policies.  If you want to ensure that you have adequate coverage, then watch out for these common coverage gaps.


While you know that your dog is the most gentle creature on earth, your home insurance provider might not agree.  In fact, many insurance agencies refuse to cover certain “dangerous” breeds of dogs.  Review your policy to make sure that your four-legged friend is covered.  If they are not, then you might have to get a separate policy to ensure that you are covered for any pet-related liability issues.

Home-Based Business

If you are running a business out of your home, then your standard homeowners insurance policy will not provide adequate coverage for the aspects related to your business.  You will need to get a policy rider or a completely new policy to ensure that the supplies, equipment, inventory, employees, and customers associated with your business are covered.

Natural Disasters

While your standard home insurance policy provides coverage for most extreme weather events, there are certain natural disasters that require their own policies.  For instance, you will need a separate policy to cover your home for earthquakes or flooding.  If you live in an area prone to either of these hazards, then make sure you have the right policies to address your risks.

These are some of the most common coverage gaps in homeowners insurance policies.  Do you have a question regarding your home insurance coverage?  Then don’t hesitate to contact the experts at Robert J. Los Insurance Agency.  Located in Hamburg, New York, our dedicated team is ready to get you covered today.