The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

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4 Disasters Your Virginia Home Owner’s Insurance Might Not Cover

For Virginia residents, homeowners insurance can provide peace of mind, ensuring that your home is protected against the elements, accidents, and other incidents. However, when selecting homeowners insurance, it’s important to understand that some things may not be automatically covered.

At Pivotal Insurance Agency, we want to make sure every homeowner knows about disasters that might not automatically be covered.

Sinkholes Probably Aren’t Covered

Sinkholes are rare in Virginia but can still occur. Unfortunately, sinkhole coverage is not mandated in Virginia. Sinkholes have recently made headlines for swallowing cars in Virginia and it’s likely only a matter of time before a homeowner has his or her house damaged by one.

Earthquakes Usually Aren’t Covered Either

Earthquakes usually aren’t covered with standard Virginia homeowners insurance either. While powerful earthquakes are uncommon in Virginia, Louisa County was hit with a 5.8m earthquake back in 2011. Another powerful quake could hit soon.

You’ll Probably Need Separate Coverage for Floods

Floods are a serious risk in Virginia and a flood can quickly destroy a home and all of your personal belongings. Unfortunately, unless you have special coverage for flooding, you’ll likely find that your standard homeowners insurance does not cover flood damage.

Mudslides and Landslides Usually Aren’t Covered

Heavy rains can cause not only floods but also mudslides. Mudslides can wipe out your home even if it’s located high up a hill. Sadly, your standard Virginia homeowners insurance likely doesn’t cover damage from mudslides.

Make Sure Your Virginia Home is Covered

Your home is your castle. Make sure you fully understand what’s covered under your Virginia homeowners insurance, and when you find gaps in coverage, consider filling them with supplemental homeowners insurance.

Contact the Pivotal Insurance Agency today to learn more!