As a homeowner, protecting your investment is a top priority. Your home is probably the biggest investment you will ever make. Most people believe that they are protected when they purchase home insurance. The truth is, you are protected but not from everything. Home policies have exclusions. At  Com-Co Insurance Agency Inc in Mount Prospect, IL, we want to make sure that you have all the coverage you want and need. 

Owner neglect

Your insurance carrier expects that you will maintain your home and property. That means replacing your roof when it gets old and leaks, getting insect or rodent treatment if your home is invaded by either. If you allow your home to become rundown and then expect your home insurance to pay for damages that result, you will be disappointed. 

Flooding

Flooding is a biggie and as the world warms up, more and more flooding occurs every year. A traditional home insurance policy does not pay for damage that results from flooding unless it is from a burst pipe in your home or your roof is damaged by a tornado or hurricane. Surface flooding isn’t covered but you can get a policy from the National Flood Insurance Program. 

Earth Movement

Quite a few different things come under the heading of earth movement including earthquakes, landslides, mudslides, and sinkholes. These are mostly not covered and you need to read your home insurance policy carefully. You can, however, get coverage for all of these things separately. 

Certain Dog Breeds

Some breeds of dogs are considered such a risk that your home insurance won’t cover them. If you are adding a new pet to the family, check with your agent about the breed so you won’t get an unpleasant surprise. 

In Mount Prospect, IL, you can count on Com-Co Insurance Agency Inc to help you to get the right home insurance for you and your home.