{"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":"

Investing in a home is one of the biggest decisions you can make. Any investment in real estate is worth protecting, even if you’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

Flood Damage<\/h2>\n

One of the biggest exclusions not covered with standard homeowners’ insurance includes flood insurance and protection. If you’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

Earthquakes and Ground Movement<\/h2>\n

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. <\/p>\n

Normal Wear and Tear<\/h2>\n

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’ insurance policies. Add-ons can help add a layer of protection you need year-round. <\/p>\n

Whether you’re a new homeowner in Gahanna, OH, or if you’re investing in additional real estate to rent or sell, you’ll want to do so knowing you’re protected with the right policies in place. Even if you have a standard homeowners’ insurance policy, add-ons can provide the peace of mind and sense of security you’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. <\/p>\n","protected":false},"excerpt":{"rendered":"

Investing in a home is one of the biggest decisions you can make. Any investment in real estate is worth protecting, even if you’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 […]<\/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":[],"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