Thursday, 3 October 2013

Things Your Calgary Home Owners Insurance Usually Wont Cover

As a responsible homeowner, you should be aware of hazards that your Calgary home insurance policy doesn't cover. By checking with your insurance agent, you will be able to fix any holes in your existing coverage that may cause you major problems in the future. Here are a few of the most common types of damage that most insurance policies do not cover.

Swimming Pool Damage (don't need to worry too much about this in Calgary :-)

Generally, homeowners believe that adding a pool will add to the prospective resale value of their home. In all actuality, a pool can be an expensive investment which in many cases can actually lower the resale value of your home. The danger posed by pools, whether it be injury due to slipping or in some cases drowning death, are usually not covered by traditional insurance policies. When installing a pool, make your insurance company aware so they can advise you on additional coverage you made need to purchase.

Animal Attacks

Whether you own a reptile or a dog, if a vicious animal attack happens on your property you are probably not covered under your current Calgary home insurance policy. Considering that animal attacks made up roughly one third of all homeowner insurance claims last year, you may want to seek additional coverage if you own a pet. Many insurance companies will only cover certain breeds of dogs, so make sure that your particular breed of animal is covered. The additional coverage may cost a little more money, but it will be well worth it if you are ever confronted with damages from an animal attack.

Get Calgary home insurance quotes here!

Wear and Tear

Most of the general wear and tear of your home is not covered in traditional home owner insurance policies. Issues such as foundation cracking or roof repair are just a few of the expenses that you will be solely responsible for if you do not extend your coverage. You should consult with your insurance agent to tweak your existing Calgary home insurance policy to customize your coverage to fit your particular needs.


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