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Protecting Your Home Insurance: What Can Void Your Homeowners Policy

Homeowners insurance provides vital protection for your most significant investment: your home. However, there are factors and actions that can jeopardize your coverage. It's crucial to understand what can void your homeowners policy to ensure your peace of mind remains intact. We will explore the common pitfalls that can result in policy voiding, helping you avoid unnecessary risks and unexpected financial burdens. Let's delve into the key issues that could potentially void your homeowners insurance and how to safeguard your coverage.


I. Neglecting Maintenance:

One of the most common factors that can void your homeowners insurance is neglecting regular maintenance and repairs. Failing to address issues like leaky roofs, damaged wiring, or plumbing problems can result in a claim denial. To prevent this:

  • Conduct routine maintenance to address minor problems before they become major issues.
  • Keep thorough records of maintenance and repairs to demonstrate your commitment to home upkeep.


II. Running a Home Business:

Home Business

Running a business from your home can void your policy if you don't have the appropriate coverage. Home insurance typically does not cover business-related liabilities or assets. To protect your business and maintain homeowners coverage:

  • Inform your insurance provider about your home-based business.
  • Consider a separate business insurance policy.


III. Unreported Renovations:

Making significant renovations or additions to your home without informing your insurer can void your policy. Your coverage should reflect your home's updated value. To avoid this issue:

  • Notify your insurance provider before starting any major renovations.
  • Adjust your policy to reflect the increased value of your home.


IV. Short-Term Rentals:


If you rent out your home on platforms like Airbnb, it's essential to check your homeowners insurance. Most policies exclude short-term rental activities, leaving you vulnerable to claim denials in case of damage or liability issues. To protect yourself:

  • Explore landlord or vacation rental insurance options.
  • Inform your insurer about your short-term rental activities.


V. Not Disclosing Home Features:

Failure to disclose certain features of your home, like a pool, trampoline, or aggressive dog breed, can lead to policy voiding if an accident occurs. To maintain coverage:

  • Disclose all relevant information about your home and property.
  • Consider additional liability coverage if you have high-risk features.


VI. Vacant Homes:

Leaving your home vacant for an extended period without notifying your insurer can void your policy. Insurance providers often require special coverage for vacant homes. To protect your coverage:

  • Inform your insurer if your home will be vacant for an extended period.
  • Explore vacant home insurance options.


VII. Criminal Activity:

Engaging in criminal activities within your home can void your homeowners insurance. This includes activities such as illegal drug manufacturing or firearm stockpiling. To prevent policy voiding and legal consequences:

  • Avoid illegal activities within your home.
  • Report any suspicious or illegal activities in your neighborhood to the authorities.


In conclusion, protecting your homeowners insurance is a vital aspect of safeguarding your home and assets. Being aware of the factors that can void your policy is the first step in preventing unexpected financial burdens and legal liabilities. Regular maintenance, honest disclosure, and proper coverage adjustments are key to maintaining your homeowners insurance effectively. By addressing these issues proactively, you can ensure your home remains a safe haven and your insurance coverage stays intact. Remember, your homeowners insurance is a valuable safety net that should never be taken for granted.


While these are the major reasons, they can use any number of reasons, insurance companies will use to underpay and decline what is rightfully yours, coverage on your home and the cost to repair it. If you feel they are looking for reasons, do not delay and reach out the Voss Law Firm to help you. The insurance companies are not on your side. 


At the Voss Law Firm we strive to help you get back to normal as fast as possible after an insurance denial or “low ball” offer. If you feel you have been unfairly treated by your insurance company, please call (888) 296-1986, input your information for a Free Claim Review or chat with us today. 


Bill Voss
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Aggressive Texas policyholder attorney that fights hard for his clients and won't stop until he wins
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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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