Are Service Lines Covered Under My Home Insurance?

Did you know that damage to your house’s service lines is not typically covered by homeowners insurance? This includes: Water lines Sewer Electric Natural Gas Cable TV Internet Fiber Optics And Others While these items are buried, and you might not think they are susceptible to damage, you would be wrong. Damage to underground service…

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Disasters that Insurance Policies do not Cover

Every year, many home and business owners discover there are certain disasters their policies do not cover. It is important to consider these issues before they happen and cause damage that will have to be paid for out of pocket. Earthquakes, floods, and acts of terrorism are three types of disasters that a policy will…

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94 Earthquakes Reported in Kansas in 2014

Excluded Coverages should be Addressed before a Catastrophic Event Occurs We might think of Missouri before Kansas when considering the risk of an earthquake. However, Kansas has recorded 94 earthquakes to date in 2014 (Insurance Journal). This is significant to property owners because basic (ie. unendorsed) property policies exclude earthquake coverage. Because insurance policies often…

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Is Your Home Safe From Lightning Strikes?

One important bit of advice to remember is that if thunder is audible and lightning is visible, it is time to take cover. Failing to do so could be a deadly mistake. There are many people who enjoy thunderstorms, and some people are fascinated by watching the bright flashes of lightning flicker across the sky…

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