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Articles Tagged: Insurance

Home Buyers Guide Home Sellers Guide

What home insurance does (and doesn’t) cover

November 14, 2020

What home insurance does — and doesn’t — cover

Getting homeowners insurance when you purchase a house is a non-negotiable. But while standard home insurance policies provide a high level of coverage and protection, they don’t cover everything — and in order to protect your home (and your investment), it’s important to understand what potential issues might fall outside your home insurance umbrella.

Here are a few things that you may be surprised to learn that your homeowner’s insurance doesn’t cover:

  • Floods. While home insurance typically covers water issues like burst pipes, if your home is flooded due to a hurricane or excessive rain, most standard home insurance policies won’t cover the damage. In order to get coverage, you’ll need to purchase additional flood insurance.
  • Earthquakes. Similar to floods, most standard home insurance policies don’t cover earthquakes—so if you want coverage, you’ll need to buy a separate earthquake insurance policy.
  • Renovation damage. If you’re doing major renovations on your home—like gutting the interior or replacing the roof—most home insurance policies won’t cover the damage. If you want to protect yourself in the case of damage caused by the contractor, you’ll need to purchase a renovation policy.
  • Termites. Pest control and insect infestations can be prevented with proper maintenance, so the cost to remove termites and repair their damage is generally not covered by your homeowners insurance.

So, what does this mean for you? If you’re thinking about buying a home, it’s important to understand the limits of your home insurance policy, and that you purchase additional coverage or maintenance agreements when necessary to protect your home.

Filed Under: Tips for Home Buyers, Home Ownership Tagged With: Insurance

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"Fair, reliable, professional and a pleasant person to work with. Would not hesitate to recommend. All aspects of the sale were very professional. The materials to publicize the house were well done as were the photos. Russ’s familiarity with Quality Creek and the market were up to date and reliable. His manner was low key and very responsive. Easy to work with. Very helpful in staging the house. Excellent in all respects. Overall, a very easy person to work with and always professional."
- Joan H., Quail Creek
"Russ Fortuno is our trusted choice for real estate. After selling our house, we hoped to find a new home in Green Valley. Russ came highly recommended to us. It was a very stressful time, as we felt time-crunched, but we rested more easily, with Russ on our side. His experience in this market, knowledge of the area and insight into what we needed and wanted in our future home really gained our trust. It was also helpful that he has a calming demeanor! We found the perfect home for us, thanks to Russ. What a blessing!"
- Mike and Linda S., Quail Creek
"Moving to a different state can be somewhat overwhelming. We found Russ’s website and knew we needed to see him in person. We were not disappointed. He is extremely professional and being an out of state buyer, we definitely needed a Realtor we could count on. He was so helpful in finding the right house for us that it didn’t take long to make an informed decision. We wouldn’t hesitate to recommend him to anyone. Thanks, Russ for making this a great experience from beginning to closing."
- Dianne C., Quail Creek
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Russ Fortuno, Associate Broker

I'm a Southern Arizona native and Quail Creek resident. Whether you’re buying or selling a home in Quail Creek, you’ll experience unsurpassed service and professionalism at all stages of your real estate transaction. I welcome the opportunity to assist in your next home sale or purchase.
Meet Russ

Tierra Antigua Realty

18745 S. I-19 Frontage Rd., Ste. A105
Green Valley, AZ 85614
(520) 333-0446
Contact Russ

This site is not affiliated with Robson Communities or the Quail Creek Country Club Property Owners Association.
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