{"id":1023,"date":"2023-06-02T22:46:36","date_gmt":"2023-06-03T03:46:36","guid":{"rendered":"https:\/\/auto-ins-discounters.six.zysites.com\/blog\/5-common-misconceptions-about-home-insurance\/"},"modified":"2025-10-29T10:49:28","modified_gmt":"2025-10-29T15:49:28","slug":"5-common-misconceptions-about-home-insurance","status":"publish","type":"post","link":"https:\/\/www.autoinsdiscounters.com\/es\/sin-categorizar\/5-common-misconceptions-about-home-insurance\/","title":{"rendered":"5 Common Misconceptions about Home Insurance"},"content":{"rendered":"<p><span>With so much information about <a href=\"\/homeowners\/\">homeowners insurance<\/a> floating around the internet, it&rsquo;s easy to jumble it all up. But it&rsquo;s important to know exactly what you&rsquo;re buying before signing on the dotted line. This article discusses five of the most common misconceptions about homeowners insurance that people frequently mix up.&nbsp;<img decoding=\"async\" data-src=\"http:\/\/auto-ins-discounters.six.zysites.com\/wp-content\/uploads\/sites\/216\/2025\/10\/1040921248.jpg\" alt=\"Modern house\" style=\"float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/span><\/p>\n<ol>\n<li><span>Filing a claim increases premium prices: While it&rsquo;s true that filing multiple claims is likely to increase your premium, filing a single claim may not cause a price hike. This is particularly true if you haven&rsquo;t filed a claim within the last few years. However, to protect your bank account, double check the repair estimate to ensure that the cost exceeds that of your deductible. If it&rsquo;s lower, it&rsquo;s more reasonable to simply pay out of pocket than to file a claim.&nbsp;<\/span><br \/>\n    <span><\/span><\/li>\n<li><span>Homeowners insurance covers all valuables: Certain valuables&mdash;such as jewelry, furs, silverware, firearms, fine artwork etc.&mdash;have coverage limitations. Always ask your independent agent about these details. If your valued items are worth more than a standard policy will cover, you can purchase extra coverage in the form of policy endorsements or contents coverage.&nbsp;<\/span><br \/>\n    <span><\/span><\/li>\n<li><span>Homeowners insurance covers flood damage: Flood coverage is excluded from most standard homeowners policies. If you live near the coast or in an area prone to floods, you&rsquo;ll need to purchase a separate flood policy in addition to your homeowners policy. Remember, flood insurance has a 30-day waiting period, so do not wait to buy it in the days before a flood is predicted.&nbsp;<\/span><br \/>\n    <span><\/span><\/li>\n<li><span>Homeowners insurance covers personal medical expenses: While home insurance covers the medical expenses of guests who are injured on your property because of liability responsibilities, it does not cover your own personal medical expenses. That&rsquo;s what health insurance is for.<\/span><br \/>\n    <span><\/span><\/li>\n<li><span>Homeowners insurance covers mold damage: You are responsible for the upkeep of your house. If something needs repair work, that&rsquo;s on you. The same goes with mold damage, particularly if it occurs due to neglected maintenance such as a leaky pipe. However, if mold becomes a problem after a flood, your flood insurance can cover the damages.&nbsp;<\/span><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>With so much information about homeowners insurance floating around the internet, it&rsquo;s easy to jumble it all up. But it&rsquo;s [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":1024,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[12],"class_list":["post-1023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-home-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/posts\/1023","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/comments?post=1023"}],"version-history":[{"count":0,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/posts\/1023\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/media\/1024"}],"wp:attachment":[{"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/media?parent=1023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/categories?post=1023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.autoinsdiscounters.com\/es\/wp-json\/wp\/v2\/tags?post=1023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}