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Episode Description
A homeowners policy can protect far more than the building itself, but the details hidden in its exclusions often determine whether a costly loss is actually covered.
In this episode of Fully Covered, host Mike Downer talks with Absolute Insurance Agency President and CEO Jeff Eastvold and Vice President Dan Bell about what homeowners insurance covers, what it commonly excludes, and where homeowners may need additional protection.
They explain how a standard policy may cover your dwelling, detached structures, personal property, and personal liability while breaking down important coverage gaps involving floods, sewer and drain backups, foundation seepage, earthquakes, sinkholes, and service lines. The conversation also clarifies why the source of water damage matters, how scheduled personal property can better protect jewelry and firearms, and when liability coverage may not extend to golf carts, ATVs, and other recreational vehicles.
Homeowners insurance is not one-size-fits-all. The right protection depends on your property, belongings, location, lifestyle, and the endorsements included in your policy. Absolute Insurance Agency helps homeowners review these details before a claim happens, identify potential gaps, and build coverage around their real risks.
Visit the Absolute Insurance Agency website to review your homeowners coverage with an experienced independent insurance team.