Common Home Insurance Coverage Gaps
These hidden gaps leave thousands of policyholders underprotected
Flood & Water Damage
Most homeowners policies exclude flood damage, requiring separate coverage.
Potential Loss: $50,000 - $200,000+
Sewer Backup
Sewer and drain backup is typically excluded but easily added as an endorsement.
Potential Loss: $10,000 - $50,000
Home Office Equipment
Business equipment at home often has limited coverage under standard policies.
Potential Loss: $5,000 - $20,000
What We Analyze in Your Home Insurance Policy
Our AI reads every page of your policy document and identifies exactly what you're covered for, what you're not, and where the gaps are.
- Dwelling coverage limits vs. replacement cost
- Personal property coverage and limits
- Liability protection
- Additional living expenses
- Common exclusions (flood, earthquake, etc.)
- Valuable items requiring extra coverage
AI-Powered Analysis
Get results in seconds, not hours
Frequently Asked Questions
What's the difference between ACV and replacement cost?
Actual Cash Value (ACV) pays what your items were worth at the time of loss (depreciated value), while Replacement Cost pays what it costs to buy new items. Replacement cost provides significantly better protection.
Does home insurance cover flooding?
Standard homeowners insurance policies do NOT cover flood damage. You need a separate flood insurance policy, typically through FEMA's National Flood Insurance Program or a private insurer.
How do I know if my coverage limits are adequate?
BeCovered compares your dwelling coverage against local construction costs, your personal property limits against typical household values, and highlights areas where you may be underinsured.
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