{"id":88,"date":"2017-12-13T03:00:00","date_gmt":"2017-12-13T15:00:00","guid":{"rendered":"http:\/\/needaquotenow.com\/blog\/?p=88"},"modified":"2018-01-20T22:42:20","modified_gmt":"2018-01-21T04:42:20","slug":"home-insurance-surprises","status":"publish","type":"post","link":"https:\/\/www.freeland-insurance.com\/blog\/home-insurance-surprises\/","title":{"rendered":"Home insurance surprises"},"content":{"rendered":"<div class=\"req ng-scope\">\n<div class=\"listkeyword required ng-binding\">Freeland Insurance serving Oklahoma City, OK&nbsp; works hard to make sure that you have all your insurance needs.&nbsp; But you need to make sure with your insurance agent that everything you need is covered.<\/div>\n<div class=\"listkeyword required ng-binding\">\n<h2>Things your homeowner&#8217;s insurance might not cover<\/h2>\n<p>It&rsquo;s always best to ask your insurance agent what you might need.<\/p>\n<p>Sewer backup: If a sewer backs up into a home, it can do some serious damage to floors, walls, furniture and electrical systems &mdash; and it&rsquo;s typically not covered by a standard policy.<\/p>\n<p>Floods: Frankly, flood insurance is a different insurance.&nbsp;&nbsp; Make sure, if this is an issue, that you include it in your policy.<\/p>\n<p>Sinkholes: Most home insurance policies will not cover damage associated with &lsquo;earth movement,&rsquo; such as an earthquake or sinkhole.<\/p>\n<p>Mold: Depending on your insurance this may or may not be covered.&nbsp;&nbsp;Sometimes, it&rsquo;s pricey, but depending on where you live this is something you might want to add.&nbsp;With a leak or flooding, get rid of the water asap, so mold doesn&rsquo;t grow.<\/p>\n<p>Construction work damage: If you are renovating your home it probably isn&rsquo;t covered by your policy, a rider might be added.&nbsp;&nbsp; If you have a contractor, it would fall under their liability insurance.&nbsp;&nbsp; Make sure they are covered.<\/p>\n<p>Jewelry, antiques, and fine art: Most standard policies have limits for other expensive collectibles. The best way to protect these items is to get a separate insurance rider that specifies exactly what these items are.<\/p>\n<\/div>\n<div class=\"listkeyword required ng-binding\">\n<p>Earthquakes: Earthquake damage is not included in standard policies.<\/p>\n<p>Stolen\/destroyed cash: It&rsquo;s difficult to convince the insurance company that you had thousands of dollars stashed away in your home when it was destroyed. So keep it in a safe place or keep minimal cash on hand.<\/p>\n<\/div>\n<\/div>\n<div class=\"req ng-scope\">\n<div class=\"listkeyword required ng-binding\">&nbsp;<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Freeland Insurance serving Oklahoma City, OK&nbsp; works hard to make sure that you have all your insurance needs.&nbsp; But you need to make sure with your insurance agent that everything you need is covered. Things your homeowner&#8217;s insurance might not cover It&rsquo;s always best to ask your insurance agent what you might need. Sewer backup: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[10,8],"class_list":["post-88","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-freeland-insurance","tag-oklahoma-city-ok"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/88","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/comments?post=88"}],"version-history":[{"count":1,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions"}],"predecessor-version":[{"id":89,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/88\/revisions\/89"}],"wp:attachment":[{"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/media?parent=88"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/categories?post=88"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeland-insurance.com\/blog\/wp-json\/wp\/v2\/tags?post=88"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}