Navigating Coverage Gaps- Home Insurance
In Insurance
We know how easy it is to assume your personal insurance covers everything—until it doesn’t. From homeowners and renters to auto policies, hidden coverage gaps can leave you vulnerable to costly risks. This guide will help you understand what those gaps look like and how to protect yourself.
Why Insurance Gaps Happen
Gaps in coverage often result from life changes, overlooked risks, or outdated policy limits. Whether you’ve recently bought a new home, added a pet, or upgraded your car, it’s important to make sure your coverage keeps up.
What to Watch For
- Uncovered exposures: Personal watercraft, natural disasters, and valuable personal items often fall outside standard coverage.
- Life changes: Moving, renovating, or purchasing new assets can all require policy updates.
- Underinsurance vs. no insurance: Insufficient coverage can be just as risky as having none at all.
How to Review Your Coverage
Start with your declarations page for an overview of what’s covered and for how much.
Understand key terms like liability limits, deductibles, and exclusions.
Compare your policy coverage to your actual assets and risks.
Keep an updated inventory of high-value items for accurate protection.
Review exclusions and special limits to identify areas where you may need supplemental coverage.
Common Gaps to Be Aware Of
- Homeowners & Renters Policies: Missing coverage for natural disasters, water damage, high-value items, or detached structures.
- Auto Insurance: Low liability limits, lack of uninsured motorist protection, or missing optional coverages like roadside assistance.
Let’s Review Your Current Coverage — Even If You’re Not a Member Yet
Our experts can walk you through your existing policies, identify any potential gaps, and offer guidance on how to strengthen your coverage. There’s no pressure — just honest, expert advice to help you stay protected.
Call us today to schedule your free coverage review.