Does homeowners insurance cover internal damage?

When you think of home insurance, you probably think about it in turns of emergency events such as fires, break-ins, and storms.  However, many homeowners wonder if their policy will cover home damage not caused by an emergency event.  Here’s what your home insurance will and will not cover when it comes to internal damage.

  • Mold Growth

Mold is considered a type of water damage.  So, if mold is caused by a sudden accident, then it may be covered by your homeowners insurance.  However, mold removal is not covered if it is the result of a flood, ground seepage, or poorly maintained pipes that started to leak.  As a general rule, mold infestations that breakout due to lack of maintenance are your responsibility and will not be covered by your homeowners insurance.

  • Pet Damage

Typically, your homeowners insurance will not cover any damage that your pet has caused to your home or personal belongings.  Most standard home policies specifically exclude coverage for damages caused by pets or domestic animals (including insects and rodents).  However, the personal liability portion of your home insurance will offer coverage for the damage or injuries that your pet causes to a third-party.

  • Broken Appliances

Your homeowners insurance will offer coverage for broken appliances if they were damaged during a covered peril, such as a storm or fire.  If an appliance breaks down due to lack of maintenance, then your insurance may cover damage to your property and belongings, but it will not cover the cost of repairing or replacing the faulty appliance.  Your home insurance will also not cover the cost of repairing or replacing appliances that breakdown due to mechanical failures.  This coverage can be secured through a home warranty instead.

This is what you need to know about home insurance and internal damages.  Do you have additional questions about your homeowners insurance coverage?  If so, then contact the experts at Scavone Insurance Center in White Plains, New York.  We are ready to assist you with all your coverage needs today.

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