• more than half of homeowners polled think damage from a break in the water line on their property supplying their home is covered

•over a third of home owners think sewer-line breaks, earthquakes and mold are covered, and

•over 30 percent think damage from termites or other infestation is covered.

“It is important for homeowners to fully understand the policy they are buying,” says Cindy Steinbach, Mayville Insurance Agency. “Typical exclusions from homeowners policies include earth movement, water damage, neglect, war, nuclear action and mold. If you aren’t sure if you are covered in a specific scenario, explain it to your professional independent agent. They will be able to tell you whether or not you are covered.”

Steinbach continues, “A typical homeowners policy will cover fire, theft, liability, vandalism and smoke damage. Damage from some natural disasters like windstorms, hail, and lightning also may be covered. With the summer storm season approaching, this is a great time to review your policy with your professional independent agent. They can help you determine whether or not your current level of coverage is adequate.”