While homeowners insurance provides valuable protection for your home, there are certain situations and events that are not covered by your policy in Virginia Beach. In this article, we’ll discuss some of the things that homeowners insurance does not cover specifically in Virginia Beach, VA.

1. Hurricane Damage
   Virginia Beach is located on the coast of Virginia, which makes it vulnerable to hurricanes and tropical storms. While homeowners insurance typically covers wind damage, it may not cover damage caused by flooding or storm surge that can occur during a hurricane. If you live in Virginia Beach, you should consider purchasing separate flood insurance to protect your home and belongings in case of a hurricane.

2. Sinkhole Damage
   Sinkholes are not common in Virginia Beach, but they can occur due to natural geological features or human activity. Homeowners insurance typically does not cover damage caused by sinkholes, so it’s important to be aware of the potential risks in your area.

3. Sewer Backup
   Most homeowners insurance policies do not cover damage caused by a sewer backup, and this is true in Virginia Beach as well. This can include damage to your home’s foundation, floors, and walls. If you’re concerned about this type of damage, you may be able to purchase additional coverage as an add-on to your policy.

4. Earthquake Damage
   While earthquakes are not common in Virginia Beach, they can occur due to seismic activity in the region. Homeowners insurance typically does not cover damage caused by earthquakes, so if you’re concerned about this type of risk, you should consider purchasing earthquake insurance to protect your home and belongings.

5. Certain Types of Personal Property
   While homeowners insurance typically covers your personal property, there are certain types of items that may be excluded or have limited coverage. For example, high-value items like jewelry, artwork, and collectibles may require additional coverage through a separate policy.

It’s important to carefully review your homeowners insurance policy and speak with one of our Tidewater Insurance agents to fully understand what is and is not covered. By understanding your policy’s limitations, you can take steps to protect your home and belongings from unforeseen events in Virginia Beach. Contact us now to learn more!