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12 New Risks Your Home Policy May Not Be Equipped to Handle and How to Address Them

by | Apr 18, 2023

As the world changes, new risks emerge that may not be covered by your traditional home insurance policy. It’s crucial to stay informed about these potential gaps in your coverage. In this blog post, we’ll discuss 12 emerging risks that your home policy may not be equipped to handle.

  1. Electric Scooters: Accidents involving electric scooters have become increasingly common, and many homeowners’ policies don’t cover them.
  2. Golf Carts on Streets: Golf carts are now frequently driven on public roads, but they may not be covered by your auto or home insurance.
  3. Social Media Liabilities: Defamatory comments or online harassment can lead to lawsuits, and your home policy may not cover such liabilities.
  4. Home-based Businesses: Running a business from home may not be covered by your standard homeowners’ policy.
  5. Working from Home: Increased remote work can lead to more home office equipment and potential liabilities that may not be covered by your home policy.
  6. Ride-sharing and Home-sharing: Renting out a room or participating in ride-sharing may not be covered by your homeowners’ or auto insurance.
  7. Drones: Personal drone use is on the rise, but damage or injury caused by drones may not be covered by your home policy.
  8. Cybersecurity and Identity Theft: Cyber risks and identity theft are growing concerns, but your homeowners’ policy may not provide adequate coverage.
  9. Solar Panels: As solar panel installations increase, it’s essential to know if your policy covers potential damage or liability.
  10. Flood and Water Damage: There are more severe weather events, increasing the risk of flood and water damage not covered by standard home policies.
  11. Smart Home Devices: Smart home devices can pose unique risks that may not be covered by traditional home insurance.
  12. Wildfires: The risk of wildfires is increasing in many areas, and some homeowners’ policies may not provide sufficient coverage.

The world is changing, and so are the risks associated with homeownership. By being aware of these emerging risks and working with Page Insurance, you can ensure that your home insurance policy is up-to-date and provides the protection you need. Reach out to your Page Insurance agent to discuss your coverage and make any necessary adjustments. Remember, it’s better to be proactive than to discover you’re underinsured when it’s too late.

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John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the client in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.