Is Your Homeowners Policy Actually Covering What You Think?

Homeowners insurance is one of those policies people buy once and rarely revisit — until they need to file a claim. That's usually when the gaps show up.

A standard policy typically covers four things: the structure of your home, your personal belongings, liability if someone is injured on your property, and additional living expenses if you're temporarily displaced. What varies enormously between insurers is how much coverage applies to each of these, what's explicitly excluded, and how claims are valued — replacement cost versus actual cash value can mean a significant difference in a payout.

Common gaps include water damage from specific causes, valuable items like jewelry or electronics that exceed built-in sublimits, and — as many homeowners are surprised to learn — flood damage, which is almost always excluded and requires separate coverage.

UPIX now writes homeowners insurance across New Jersey, New York, Connecticut, Pennsylvania, Virginia, and Texas. If it's been a while since you've reviewed your policy, or you're shopping for a new one, we can walk through exactly what's covered and where the gaps might be.

Click the button for a free review.