“Home is the most popular, and will be the most enduring of all earthly establishments.” -Channing Pollock

If a wild animal sneaks into your home and wreaks havoc or a plane lands on your house, chances are your home insurance will cover it. Technically, the animal vandalized your home, and a plane is a falling object. The average home insurance policies cover both those things. There are things that are usually not covered that may surprise you.

• Pools and hot tubs are an ‘attractive nuisance,’ and even if they are safely fenced, some homeowner policies will not cover either one.
• Trampoline injuries aren’t covered by insurance. In fact, just having a trampoline on your property is reason enough for some companies not to insure you at all.
• Treehouses might be covered as an ‘accessory structure,’ but most providers will not cover them.
• High-risk dog breeds such as pit bulls might not be covered under many policies if they injure someone, even if the homeowner has liability coverage that protects against dog-related injuries.
• Stolen or destroyed cash over $1,000 isn’t covered.
• Sewer backups are not covered under water damage in an insurance policy. Water damage in policies refers to water line breaks, if your appliances overflow or leak, or if hail or the wind causes a hole in your home through which water enters and causes damage.
• Nuclear accidents are a standard exclusion.
• Sinkholes are ‘earth movement’ just like earthquakes, so insurance doesn’t cover them.

The Reality of Insurance Coverage Gaps

Most people think they have enough insurance coverage through their traditional policies. However, standard insurance often leaves significant gaps in coverage, potentially exposing you to serious financial risk. Just like a home with poor insulation, conventional insurance plans can be filled with cracks, crevices, and openings where potential problems can sneak through.

Common Examples of Coverage Gaps:

• Employer insurance limitations (as seen in trucking accidents)
• Home insurance policy exclusions
• Professional liability gaps
• Lifestyle and hobby-related exposures
• Volunteer activities
• Moonlighting work

How to Protect Yourself from Liability Coverage Gaps

Have you ever wondered if your insurance adequately covers you, your family, your profession, or your business? In many cases, standard insurance does not. Many people are left with gaps in coverage, which is essentially less than adequate insurance.

Consider this real-world example: A trucker recently got into a highway accident, believing his employer’s insurance would protect him. Unfortunately, once he was named individually in a lawsuit, he discovered he was on his own – his employer’s insurance only covered him to a point, leaving him exposed to personal liability.

Why Traditional Insurance May Not Be Enough

Traditional insurance plans often:

• Have specific exclusions and limitations
• May not cover certain activities or scenarios
• Leave gaps in coverage that could expose you to lawsuits
• Provide incomplete protection for modern lifestyle needs

The XINSURANCE Solution

XINSURANCE provides one-of-a-kind coverage solutions to address these gaps in liability protection. Our approach is different because we:

1. Customize Coverage: We tailor protection based on your specific:
   • Occupation
   • Hobbies
   • Volunteering activities
   • Moonlighting work
   • Lifestyle needs
2. Comprehensive Protection: Our liability protection provides:
   • Sound insurance coverage solutions
   • Legal defense to protect your assets
   • Coverage for areas where traditional insurance falls short
   • Protection against gaps and exclusions
3. Flexible Solutions: Whether you need coverage for:
   • Home-related activities
   • Work-related exposures
   • Individual liability protection
   • Specialized activities (from animal liability to commercial airline pilot policies)

Take Action Today

Don’t wait until it’s too late to discover gaps in your coverage. Just as you wouldn’t drive with a cracked windshield or live in a home leaking gas, you shouldn’t settle for inadequate insurance coverage.

Steps to Secure Your Protection:

1. Review your current insurance policies
2. Identify potential gaps in coverage
3. Contact XINSURANCE for a comprehensive evaluation
4. Get customized coverage that fits your specific needs

Specialized personal liability coverage added to your home insurance policy will ensure that your earthly establishment is fully covered. Contact XINSURANCE today to learn how we can help fill the gaps in your insurance coverage and provide the comprehensive protection you need.