It is helpful to review your insurance policies each year to make sure you have the coverage you need.  Here are a few items that are not automatically covered by a homeowners policy.  Some of these coverages may be added by endorsement or by purchasing a separate policy.

• Flood (call us for the technical definition; need a separate policy)
• Water Backup (can be added by endorsement)
• Earthquake (can be added by endorsement)
• Insects (termites) and vermin (skunks, raccoons)
• Normal wear and tear
• Vacant properties (requires different policy)
• Oil spill (can be added by endorsement but you need to submit a compliance form)
• Items in the following categories UNLESS you have scheduled them (submitted an appraisal and/or receipt): jewelry (e.g. engagement ring), furs, cameras, musical instruments, silverware, sporting equipment (e.g. golf clubs, bicycle), fine arts, stamps, coins and other items of particular value (sports memorabilia, antiques, etc.).  Note: There may be limited coverage but full coverage requires an appraisal and/or receipt.