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Beware of Gaps in Your Homeowner’s Insurance

beware of gaps in your homeowner insurance

Not all homeowner’s insurance is created equal. Coverage can vary dramatically depending on your policy and gaps can exist in even the most “deluxe” policies. Your Georgia Farm Bureau agent can help you add additional coverage to combat common coverage gaps such as these: 

Water Damage

Water damage caused by interior piping, such as a leaky faucet, is typically covered. However, water damage arising from the backup or overflow of sewers and drainage systems is not automatically covered. 

Flood Loss 

Virtually all homeowner’s insurance forms exclude the peril of flood. Typically, flood insurance is purchased from the National Flood Insurance Program and is often the only source of financial recovery in the event of a flood loss. 

Mechanical Breakdown

Most homeowners know how costly it can be when major appliances, such as air conditioners, water heaters and sump pumps, malfunction. The mechanical breakdown of appliances such as those are not typically covered, but it can be added by request. 

Personal Injury

Personal Injury is your legal obligation to a third party arising out of libel, slander, defamation of character, wrongful arrest, wrongful imprisonment, or invasion of privacy of another. Even in today’s world of social media, many people overlook this important coverage and do not realize it can be added to their homeowner’s policy upon request. 

Our agents are experts in their field and take pride in spending enough time with members to help them find the coverage options that are right for them. Meet with your agent to go over your policy and ensure you’re protecting what matters most to you. 


Content provided by Richard Hart, Director of Sales Training at Georgia Farm Bureau and featured in Georgia Neighbors Magazine