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Kentwood, MI 49508

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Things that aren’t covered by home insurance

Exclusions are things not covered by home insurance. Chances are you haven’t read your home insurance policy, and who can blame you? It is pages long. But you could be in for a nasty surprise when you file a claim if you don’t know the things that aren’t covered by home insurance. At Dalessandro Agency Inc. in Grand Rapids, MI, we are locally owned and operated and offer our customers our 25 years of experience in the insurance industry. 


Flooding probably causes the most shock when homeowners realize that their home insurance doesn’t cover it. It is a common occurrence in many parts of the country and causes huge amounts of damage. The average home that is involved in a flood suffers nearly $40,000 in damage. The good news is you can get a separate policy to protect you from flood damage. 

Wear and tear

Homes age and require maintenance. Your roof needs to be replaced before it allows water to damage the interior of your house. Your furnace will get older, and so will your air conditioning unit, but your home insurance won’t cover a unit that dies because it is past its useful life. 

Earth movement

Earthquakes are a fact of life in some parts of the United States. For you, this is necessary coverage. You can buy this insurance on a separate policy or endorsement. Other types of earth movement are excluded as well, including landslides and sinkholes. 

Expensive items

Your policy has definite limits on the amount of coverage that you have for expensive items. Jewelry is the most common issue. A large engagement ring probably is higher than your policy limit. Art and antiques are also a problem. 

The best way to avoid being disappointed in your home coverage is to read your policy and talk to your independent insurance agent. At Dalessandro Agency Inc. in Grand Rapids, MI, we are here to answer any questions you may have. Please stop by or give us a call for a free quote. 

Do I have enough home insurance coverage

Buying a home is the most significant investment most people will ever make. Protecting that investment is essential, and home insurance is how you do that. If you have a mortgage, the lender will require that you keep enough coverage to protect their investment, but the amount of your mortgage is likely a lot less than the actual value of your home. When was the last time you took a good look at your home insurance policy to see the amount of coverage that you have? If you are like many people, it has been a while. If you live in the Grand Rapids, MI area, Dalessandro Agency Inc. has the knowledgeable staff to help you evaluate your policy and determine if you have enough home insurance coverage. 

Home insurance has several different coverages. It offers a dollar value for the replacement of the actual structure of your home. It has a sperate amount for other structures on your property, such as a detached garage, casita, or shed. Your personal possessions have another value, and then there is important liability coverage. How do you know if the coverage you have is enough? 

You need to ask yourself some questions

  • What is the actual value of my home? Keep in mind that if you check the value online, it includes your lot as well as your home.
  • Have you made any significant upgrades that your insurance agent isn’t aware of that would increase the value of your home?
  • Do you own expensive items that may need additional coverage? 
  • Is your liability coverage adequate to protect the assets that you have? 

After you have answered these questions, why not call the office of Dalessandro Agency Inc. and set up an appointment to discuss your home policy. The team knows about values in Grand Rapids, MI, and can help make sure you have enough home insurance.