Scary Coverage Gaps That Could Haunt Your Home Insurance
October is the perfect time to share ghost stories—but some of the scariest surprises don’t come from haunted houses. They come from hidden gaps in your homeowners insurance. When a storm hits, a pipe bursts, or a guest gets hurt, the wrong coverage (or missing coverage altogether) can turn into a real-life nightmare.
Here are a few frightening coverage gaps every homeowner should watch for this season.
- Outdated Replacement Cost
Home values and construction costs have risen sharply across Montana in recent years. If your policy hasn’t been updated, your coverage limit may not be enough to rebuild your home after a total loss. Even a small shortfall could mean paying thousands out of pocket for materials and labor. - Water Damage and Sewer Backup
Many homeowners assume their policy covers all types of water damage—but most exclude sewer or sump pump backup unless added by endorsement. A single backup can cause extensive damage to basements and flooring, and without this extra protection, you could be left footing the entire bill. - Detached Structures
Garages, shops, and sheds are common on Montana properties, but they aren’t always fully covered under your main dwelling limit. If you’ve added or expanded outbuildings, they may need to be specifically listed to ensure proper protection. - Liability Blind Spots
A slip on icy steps, a dog bite, or an accident involving visiting guests can lead to expensive medical or legal costs. While basic liability coverage offers some protection, it may not be enough in a serious incident. Reviewing your liability limits—or adding an umbrella policy—can help close this gap.
Protect Your Home Before the Real Scare Happens
A well-built home deserves equally solid protection. Hidden coverage gaps can turn a small incident into a major financial setback, especially when they’re discovered after a claim.
Take time this fall to review your homeowners policy, check your coverage limits, and ask questions about exclusions. A short conversation now can prevent big surprises later.
Our team is here to help you identify potential risks and make sure your home—and everything in it—stays protected through every season.