{"id":9,"date":"2025-02-28T12:00:00","date_gmt":"2025-02-28T18:00:00","guid":{"rendered":"https:\/\/www.vargasagency.com\/blog\/?p=9"},"modified":"2025-02-26T22:02:41","modified_gmt":"2025-02-27T04:02:41","slug":"things-not-covered-by-home-insurance-that-may-surprise-you","status":"publish","type":"post","link":"https:\/\/www.vargasagency.com\/blog\/things-not-covered-by-home-insurance-that-may-surprise-you\/","title":{"rendered":"Things not covered by home insurance that may surprise you"},"content":{"rendered":"

Home insurance protects your home from many different hazards. It protects the physical property itself and its contents. It also offers you liability protection and provides loss of use protection if you have a covered event at your home. At Vargas Agency in Katy, TX, we are an independent insurance agency that offers our customers more choices and ensures you have the coverage you need.<\/p>\n

Termites<\/h2>\n

Those pesky little critters can cause a lot of damage. You may suffer extensive damage if you don’t know what to look for. Sadly, your home insurance will not pay for any damage they cause. As the homeowner, it is up to you to treat your home. Getting termites is considered owner neglect, and your home insurance will not pay for owner neglect.<\/p>\n

Sewer Backup<\/h2>\n

What could be worse than having your sewer backup into your home? Finding out too late that your home insurance doesn’t cover it, and it won’t be unless you get a special rider for your home policy.<\/p>\n

Earthquake<\/h2>\n

Not every home is going to be in danger of being damaged by an earthquake, but in addition to earthquakes, sinkholes and mudslides are also excluded from home insurance coverage. You should ensure you add this vital coverage to your policy if you are in danger.<\/p>\n

Floods<\/h2>\n

The most surprising thing your home insurance does not cover is floods. Floods are among the most common and damaging natural disasters, and they can damage your home in just about any state in the union.<\/p>\n

Contact Vargas Agency in Katy, TX, when you are ready to discuss your home insurance or to get a no-obligation quote.<\/p>\n","protected":false},"excerpt":{"rendered":"

Home insurance protects your home from many different hazards. It protects the physical property itself and its contents. It also offers you liability protection and provides loss of use protection if you have a covered event at your home. At Vargas Agency in Katy, TX, we are an independent insurance agency that offers our customers […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[8,6,7,5],"class_list":["post-9","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home-insurance","tag-katy","tag-tx","tag-vargas-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t