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Midlothian, TX 76065

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Amy Tounget Insurance Agency, LLC Blog

Home Insurance Exclusions

If you are a homeowner in Midlothian, TX, you understand the importance of having home insurance. It’s an investment that protects your home and its contents from unexpected events like theft, hail, fire, and many other perils. Besides, home insurance provides liability protection and covers loss of use.

Unfortunately, home insurance does not cover every mishap that occurs in your home. To that end, you must understand what home insurance does not cover to avoid disappointments when filing a claim. At Amy Tounget Insurance Agency LLC, we’ve prepared for you what your home insurance does not cover. Be sure to read through the article to understand your home insurance exclusions.


A standard home insurance policy does not cover damage caused by overland flooding. If you live in an area prone to floods, make sure you have a separate flood insurance policy to protect you against floods.

Damage by sewer backups

Water damage from a sewer backup may occur due to old sewer systems, growing tree roots, sanitary blockages, and so forth. Unfortunately, typical home insurance does not cover these damages. As such, you may have to buy an endorsement to cover water damage from sewer backups.

Damage due to neglect 

Damage that arises from poor home maintenance, like uncontrolled mold or pest infestation, is not covered by your standard home insurance policy. In light of this, keep your home well maintained to avoid incurring out-of-pocket repairs.

Earth movement

Typical home insurance does not cover cases like earthquakes, sinkholes, and landslides. But the good news is that you can purchase a separate policy that covers such types of events. 

Home insurance in Midlothian, TX

Before assuming that your home insurance covers you against every peril, be sure to scrutinize your policy limits and exclusions. It’s also wise to talk to your agent if you are unsure whether a specific loss or damage is included in your policy. Ready for your home insurance? Talk to us at Amy Tounget Insurance Agency LLC for an affordable quote.

How much home insurance do you need?

Midlothian, TX is a city southwest of Dallas with an approximate population of 30,000 people. There are many things to love about the small town, including Midlothian being a great place to raise a family. How much home insurance is sufficient for this hidden gem in Ellis County? An agent at Amy Tounget Insurance Agency LLC can help you answer this question. 

Median Values And Insurance Rates

The median value of a single-family home in Midlothian, TX is around $360,000. Your home indemnity policy should cover at least 80 percent of the property’s value.

Why 80 Percent?

Insurance companies typically cover the full cost of damage to a house if the homeowner purchased coverage that accounts for at least 80 percent of the home’s value. This means that a home in Midlothian, TX worth $500,000 would need a home insurance policy worth at least $400,000. 

An insurance company does not leave the homeowner completely in the cold if indemnity coverage falls below 80 percent of the home’s value. The insurer, however, does not pay the entirety of a home’s value in the instance of a total loss if there is not enough coverage. 

You may ultimately find yourself in a financial bind if you fail to purchase enough coverage to meet the insurer’s standards. 

Check Your Policy And Call Amy Tounget For Help

It is not uncommon for a homeowner to fall below the 80 percent standard. Improvements to the property and inflation can lead to an indemnity plan that does not fully speak to the home’s market value. 

It is important to review your insurance policy at least once a year to ensure your financial cushion is still stable. It would help if you also considered getting a new quote for coverage periodically. 

Amy Tounget Insurance Agency LLC can help you understand the terms of your home insurance plan. Call today to see if your policy needs an upgrade.

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