What is not protected by most homeowners insurance?
What is not protected by most homeowners insurance?
Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won’t be covered.
What is condo blanket insurance?
Blanket insurance is a type of insurance policy that insures the common areas of a condominium or townhome. It also covers the common property in an area governed by a homeowner’s association, or HOA.
Does bare walls coverage include drywall?
Bare Walls: This term means that the Association is covering the structure of your residence into the interior, but only up to and including the drywall. All the things that make your house a home such as: flooring, plumbing and electrical fixtures, cabinetry, etc, must be added to your individual policy.
