{"id":88,"date":"2025-12-31T12:00:00","date_gmt":"2025-12-31T18:00:00","guid":{"rendered":"https:\/\/www.schneiderins.com\/blog\/?p=88"},"modified":"2025-12-12T13:53:45","modified_gmt":"2025-12-12T19:53:45","slug":"what-is-not-covered-by-traditional-homeowners-insurance-policies","status":"publish","type":"post","link":"https:\/\/www.schneiderins.com\/blog\/what-is-not-covered-by-traditional-homeowners-insurance-policies\/","title":{"rendered":"What Is Not Covered by Traditional Homeowners Insurance Policies?"},"content":{"rendered":"<p>Investing in a home is one of the biggest decisions you can make. Any investment in real estate is worth protecting, even if you&#8217;re new to owning a home or a commercial property. At Schneider Insurance Agency, serving Gahanna, OH, we work with clients to determine what additional insurance policies are right to optimize and maximize protection year-round.<\/p>\n<h2>Flood Damage<\/h2>\n<p>One of the biggest exclusions not covered with standard homeowners&#8217; insurance includes flood insurance and protection. If you&#8217;re interested in protecting your home from heavy rainfall, floods, and drain issues, you may want to consider flood insurance from a private insurer or from FEMAs NFIP, or National Flood Insurance Program. Additionally, if you are worried about your sewer and potential drain backup, you can add a water backup endorsement to an existing homeowners policy.<\/p>\n<h2>Earthquakes and Ground Movement<\/h2>\n<p>Another area to consider protecting with add-on policies includes earthquakes and ground movement. This is especially important if you live in a high-risk region or area.&nbsp;<\/p>\n<h2>Normal Wear and Tear<\/h2>\n<p>Insurance does not cover damage caused by aging materials or neglect. Old roofs, rusted pipes, and general deterioration are not typically covered with standard homeowners&#8217; insurance policies. Add-ons can help add a layer of protection you need year-round.&nbsp;<\/p>\n<p>Whether you&#8217;re a new homeowner in Gahanna, OH, or if you&#8217;re investing in additional real estate to rent or sell, you&#8217;ll want to do so knowing you&#8217;re protected with the right policies in place. Even if you have a standard homeowners&#8217; insurance policy, add-ons can provide the peace of mind and sense of security you&#8217;re seeking. To learn more about flood insurance, earthquake insurance, and even sewer and drain backup add-ons that are right for you, we can help. Contact us here at Schneider Insurance Agency for your consultation today.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing in a home is one of the biggest decisions you can make. Any investment in real estate is worth protecting, even if you&#8217;re new to owning a home or a commercial property. At Schneider Insurance Agency, serving Gahanna, OH, we work with clients to determine what additional insurance policies are right to optimize and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[10,17,18,19,6],"class_list":["post-88","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-gahanna","tag-home","tag-insurance","tag-oh","tag-schneider-insurance-agency"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/posts\/88","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/comments?post=88"}],"version-history":[{"count":1,"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions"}],"predecessor-version":[{"id":89,"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions\/89"}],"wp:attachment":[{"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/media?parent=88"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/categories?post=88"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.schneiderins.com\/blog\/wp-json\/wp\/v2\/tags?post=88"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}