Do You Need Insurance for That? 5 Surprising Things That Aren’t Always Covered

​When it comes to insurance, most people assume they’re covered… until they’re not. From flooding to home businesses, there are plenty of everyday risks that fall through the cracks of traditional policies.

Let’s break down 5 common things you might think are covered—but often aren’t.

​1. Flood Damage
Most standard homeowner’s policies do NOT cover flood damage. If you live in a flood-prone area—or even one with unpredictable storms—you may need to purchase a separate flood insurance policy.

2. Valuable Personal Items
Have a $10,000 engagement ring or a priceless family heirloom? Regular homeowners or renters policies often cap coverage on jewelry, art, or collectibles. A personal property rider might be necessary.

3. Home-Based Businesses
Running a small business out of your home? Your homeowner’s policy likely doesn’t cover business-related equipment or liability. You may need a home-based business or general liability policy.

4. Sewer/Drain Backups
It’s messy, expensive, and unfortunately not always covered. Backups are often an optional endorsement on homeowners’ insurance—make sure you’ve got it if needed!

5. Identity Theft
Many policies now offer optional identity theft coverage, but it’s not standard. With digital crime on the rise, this add-on can save you major headaches.

Final Thoughts
The last thing you want is to assume you’re covered, only to find out you’re not. VIP Insurance Professionals can walk you through your current policy and help you fill the gaps—before life surprises you.

📞 Let’s make sure you’re truly protected.