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"I thought my policy covered that?"

People hear only what they want to hear.  I've heard this question many times over my 20 year career here in Arizona selling and servicing primarily auto and home insurance.  If you're a homeowner you probably have home insurance and it's most likely the "all-risk" kind of policy instead of the "named peril" kind.
Most agents will tell their clients that the policy they're buying covers "All-Risks" except those risks which are specifically excluded in the policy.  Herein lies the problem.  Most people don't hear or pay attention to the Except part.  And most agents don't take the time to review the Exclusions in the policy with their client.

So, when your toilet backs up and the water destroys your bathroom you should know that isn't covered under your home insurance policy. It's important you know what's excluded in your home policy.

The good news is, the insurance company usually makes it possible for you to buy(pay extra) to cover many of the excluded coverages, either as an endorsement or as an additional policy, if its important enough to you to have coverage for the excluded loss.  And, if you have a customer focused insurance agent, he/she will go over the exclusions in your policy and offer solutions to meet your needs.

I hope you never have to ask the question, "I thought my policy covered that?"

Here's a link to another blog post from a Law perspective.

I'm always available to review policies and provide multiple insurance company options to find you the best policy for your insurance dollar.  Request a quote or contact me to schedule an appointment.

Author: Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families with all their insurance needs for over 23 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.
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