Most homeowners in Tennessee, Georgia, and Alabama feel confident that their insurance will protect them from any disaster. But that assumption can lead to expensive surprises.
While a standard homeowners policy covers many common risks, several major perils are often not included — and understanding those gaps can make all the difference when you need help the most.
Homeowners insurance typically protects your dwelling, personal belongings, and liability for injuries or damages to others. It’s strong protection against fires, theft, certain types of water damage, and windstorms.
But here’s the catch: coverage only applies to the “named perils” listed in your policy.
Common Exclusions That Surprise Homeowners
- Flood or Mudslide Damage – Typically requires a separate flood insurance policy.
- Sewer or Drain Backup – Often excluded unless you’ve added an endorsement.
- Earth Movement (like earthquakes or sinkholes) – Usually not covered by default.
- High-Value Items (jewelry, art, collectibles) – Standard limits may not cover full replacement value.
- Neglect or Wear and Tear – Insurance covers sudden, accidental damage, not gradual deterioration.
With the frequent storms and severe weather patterns in Tennessee, Georgia, and Alabama, reviewing your policy annually is one of the smartest financial decisions you can make.
Protect Your Home — Schedule a Coverage Gap Checkup
Our Coverage Gap Checkup is a quick, 15-minute review designed to make sure you’re fully protected before disaster strikes.
Contact Johnson Insurance Group Inc today — we’ll help you close any coverage gaps and keep your peace of mind secure.
