{"id":110,"date":"2024-01-30T04:00:00","date_gmt":"2024-01-30T10:00:00","guid":{"rendered":"https:\/\/www.djkauffmaninsurance.com\/blog\/?p=110"},"modified":"2024-01-30T08:49:11","modified_gmt":"2024-01-30T14:49:11","slug":"what-home-insurance-covers-and-what-it-doesnt","status":"publish","type":"post","link":"https:\/\/www.djkauffmaninsurance.com\/blog\/what-home-insurance-covers-and-what-it-doesnt\/","title":{"rendered":"What home insurance covers and what it doesn&#8217;t"},"content":{"rendered":"<p>Owning a home is both a joy and a burden. Worrying about everything that could go wrong and damage your home can lead to a lot of stress. Our independent agents at DJ Kauffman Agency in Hutchinson, KS, are here to help reduce that stress by ensuring you have the home insurance coverage you require.&nbsp;<\/p>\n<h2><strong>What home insurance covers<\/strong><\/h2>\n<h3><strong>Property<\/strong><\/h3>\n<p>The main structure, attached structures, and structures on your property are covered for various hazards, including fire, theft, and vandalism.&nbsp;<\/p>\n<h3><strong>Contents<\/strong><\/h3>\n<p>The things inside your home are covered, but it is essential that you know the type of coverage you have and any limits you have on specific content.&nbsp;<\/p>\n<h3><strong>Liability<\/strong><\/h3>\n<p>Being sued is a danger for all homeowners. Liability helps to protect your assets from a legal judgment against you and pays legal expenses.&nbsp;<\/p>\n<h3><strong>Loss of use<\/strong><\/h3>\n<p>If a covered peril damages your home and is not habitable, this coverage will help pay for a place for you to stay until you can come back home.&nbsp;<\/p>\n<h2><strong>What home insurance doesn&#8217;t cover<\/strong><\/h2>\n<h3><strong>Flood<\/strong><\/h3>\n<p>Floods are not covered by traditional home insurance. You need to purchase a separate flood insurance policy.&nbsp;<\/p>\n<h3><strong>Earth movement<\/strong><\/h3>\n<p>Home insurance does not cover earthquakes, mudslides, landslides, and sinkholes.&nbsp;<\/p>\n<h3><strong>Wear and tear<\/strong><\/h3>\n<p>Things like your roof&nbsp;get old. This is not covered by home insurance. If your roof needs to be replaced, it is up to you to replace it unless a covered hazard damages it.&nbsp;<\/p>\n<h3><strong>Owner neglect<\/strong><\/h3>\n<p>You need to do the necessary maintenance on your home, and if it is damaged because you didn&#8217;t do it, your home insurance won&#8217;t cover it.&nbsp;<\/p>\n<p>Our team at DJ Kauffman Agency in Hutchinson, KS, is here to offer help and support to homeowners through the right home insurance. Give our office a call today.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Owning a home is both a joy and a burden. Worrying about everything that could go wrong and damage your home can lead to a lot of stress. Our independent agents at DJ Kauffman Agency in Hutchinson, KS, are here to help reduce that stress by ensuring you have the home insurance coverage you require.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[10,7],"class_list":["post-110","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-dj-kauffman-agency","tag-hutchinson-ks"],"_links":{"self":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=110"}],"version-history":[{"count":1,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/110\/revisions"}],"predecessor-version":[{"id":111,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/110\/revisions\/111"}],"wp:attachment":[{"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.djkauffmaninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}