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Home > Es-Us > Blog > Home Insurance Gaps You Might Need to Consider
FRIDAY, JUNE 27, 2025

Home Insurance Gaps You Might Need to Consider

gray wooden houseAs a responsible homeowner, you’re likely well aware of the importance of home insurance. These policies can cultivate life-changing financial security, potentially compensating for devastating property damage and economic losses that might otherwise alter your lifestyle and future. However, even after purchasing home insurance, you must remain diligent about possible gaps that could expose you to unexpected out-of-pocket costs.

4 Common Home Insurance Gaps

At Jones-Byrd Insurance Agency in Dunn, North Carolina, we’re well-equipped with the knowledge and wherewithal to help local homeowners understand and identify possible coverage gaps. Consider the following and how they might apply to your situation:

  1. Personal property coverage limits—Most standard home insurance policies include coverage for your personal belongings, such as furniture and electronics. However, this part of your insurance may have stringent limits that are incapable of fully reimbursing you for particularly valuable items, such as jewelry and fine art. Securing higher limits or exploring scheduled property coverage may be advisable.
  2. Natural disaster exclusions—Many common incidents, such as fires and burglaries, are covered by standard home insurance policies. However, several particularly devastating types of natural disasters are typically excluded, including earthquakes and floods. Given these exemptions, you may need to procure alternative policies.
  3. Post-renovation insufficiencies—If you enhance or add on to your home, you may increase its value. Since home insurance policies are typically composed with limits according to your estimated rebuild cost, additions and renovations can lead to being underinsured. Talk to your agent if you plan to make changes to your home and adjust your policy as necessary.
  4. Home-based business coverage—Operating a business from the comfort of your own home can have many pros, but it may also require additional insurance. Standard home insurance policies generally exclude losses arising from business activities, such as if your company equipment is damaged or a client visits your home and is injured. A separate business insurance package may be necessary.

We’re Here to Help

Contact Jones-Byrd Insurance Agency today to go over your coverage and fill potentially problematic gaps in your policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Posted 2:16 PM

Tags: home insurance gaps
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