{"id":78,"date":"2025-12-31T12:00:00","date_gmt":"2025-12-31T18:00:00","guid":{"rendered":"https:\/\/www.richinsuranceagency.com\/blog\/?p=78"},"modified":"2025-12-12T13:22:45","modified_gmt":"2025-12-12T19:22:45","slug":"whats-excluded-from-your-traditional-homeowners-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.richinsuranceagency.com\/blog\/whats-excluded-from-your-traditional-homeowners-insurance-policy\/","title":{"rendered":"What’s Excluded From Your Traditional Homeowners Insurance Policy?"},"content":{"rendered":"

Obtaining and maintaining a homeowners insurance policy is imperative if you are a homeowner in or near Kansas City, MO. Due to potential weather and natural disaster risks, it’s also important to understand what your standard policy may not<\/em> cover. At Rich Insurance Agency LLC, we’ll work with you to find home insurance solutions and add-ons that provide protection and peace of mind.<\/p>\n

Flood Damage<\/h2>\n

One of the biggest exclusions of traditional home insurance policies includes flood damage. Flooding from rising water, storm surges, overflowing rivers, or even heavy rainfall is not covered with a standard home insurance policy. To protect your home from flooding, you’ll want to do so via a private insurer or via the NFIP, or National Flood Insurance Program, via FEMA.<\/p>\n

Earthquakes<\/h2>\n

Both earthquakes and ground movement are not typically covered by standard policies. This includes sinkholes and in some cases, even landslides. If you believe your home is at risk, opting for earthquake insurance on top of existing homeowners insurance is highly recommended.<\/p>\n

Wear and Tear<\/h2>\n

Neglect, aging roofs, deteriorating plumbing, and routine degradation are issues that are not covered by standard homeowners insurance. Sewer backup and sump pump overflows are also not covered unless you take out a special endorsement policy that covers your exact needs. An agency can help determine your exact needs.<\/p>\n

Working with an agency is the best way to determine what level of protection you require for your home, especially if you live in a region that is high-risk. At Rich Insurance Agency LLC, serving Kansas City, MO, we’ll walk you through the process of finding a policy and add-ons that work for you. To learn more about your options and to compare additional policies that provide a sense of security and financial protection, contact us to schedule your consultation today.<\/p>\n","protected":false},"excerpt":{"rendered":"

Obtaining and maintaining a homeowners insurance policy is imperative if you are a homeowner in or near Kansas City, MO. Due to potential weather and natural disaster risks, it’s also important to understand what your standard policy may not cover. At Rich Insurance Agency LLC, we’ll work with you to find home insurance solutions and add-ons that […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[15,17,11,19,5],"class_list":["post-78","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home","tag-insurance","tag-kansas-city","tag-mo","tag-rich-insurance-agency-llc"],"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