Your house is not just a roof over your head. It is your family's home and holds those things you value and worked hard to acquire. It is also one of the biggest investments many of us make.

When it comes to keeping your home safe, you need a Leavitt Group independent professional to evaluate your situation to help make sure your homeowners insurance policy will truly protect your family's financial security. We don't just represent one insurance company. We can match your situation with the insurance company that is right for you, ensuring that your policy has the right coverage at the right price.

What risks are (or are not) covered by homeowners insurance?

Most home insurance policies provide four basic types of coverage. These include insurance coverage for your home's structure, insurance for your personal belongings, liability protection, and insurance for additional living expenses (in case a fire or other insured disaster makes it so you are temporarily unable to live in your home).

What many people do not realize is that there are some risks that are not covered by a standard homeowners insurance policy. These may include flood, earthquake, coverage for high-value belongings, and other risks. In these cases, your Leavitt Group insurance agent can add endorsements to your home insurance policy to give you the additional coverage you need. This is why it is critical to work with an independent Leavitt Group agent. Rates and availability of endorsements vary between insurance companies. Because a Leavitt Group agent represents multiple companies—including the top insurance companies in the nation—we can compare prices and coverage to make sure you are getting the most for your insurance dollar.

What else is not covered? Insurance companies do not provide coverage for routine wear and tear. But, through regular maintenance and repair inside and outside of your home, you can help prevent problems from arising. This includes keeping your roof in good shape by replacing worn out shingles and replacing appliance water hoses to prevent water damage.