Every homeowner does what they can to protect their property, from locking the doors to securing homeowners insurance. However, many are unaware that their homeowners insurance policies are lacking in coverage that is valuable and effective. Although you may think you know your policy inside out, here are a common gap in home insurance coverage.

Home Updates

If you’ve made improvements to your home since you last updated your policy, you may not have enough insurance to cover the cost of rebuilding your home, should a disaster strike. Sit down with your insurance agent and make sure he/she has the latest information about your home so that coverage can match your current property value.


Believe it or not, but according to the U.S. Geological Survey, there are around 20,000 earthquakes a year, or roughly 50 to 55 per day. Earthquake insurance is not included in standard policies, meaning that if the ground shakes beneath you, you could be left with home repair and replacement bills yourself. Premiums are usually very affordable for earthquake insurance, so it’s well worth getting some coverage.

Home-Based Business

Regardless of the size of the business, if you’re routinely using your home to operate a business, your homeowners insurance likely doesn’t cover accidents or injuries connected to it. It’s important to protect your business’s possessions and finances in case a disaster which your homeowners insurance won’t cover.

Are you ready to fill in all the gap in home insurance coverage? Visit Tompkins Insurance Agencies for the help that you need and deserve.