## Reading the Fine Print Before You Need It
Nobody buys insurance planning to use it. But when life throws a curveball — a fender bender, a burst pipe, a stolen laptop — the last thing you want is to discover your policy doesn’t cover what you assumed it did.
**Coverage gaps are more common than you’d think.**
Many policyholders are surprised to learn that standard homeowners insurance typically does not cover flooding from external water sources. That usually requires a separate flood insurance policy. Similarly, an auto policy with only liability coverage won’t pay to repair your own vehicle after an accident.
**Here are a few areas worth reviewing on your current policy:**
– **Exclusions** — specific events or circumstances your policy explicitly won’t cover
– **Deductibles** — the amount you pay out of pocket before coverage kicks in
– **Coverage limits** — the maximum your insurer will pay per claim or per year
– **Endorsements** — optional add-ons that expand your base coverage
**What should you do?**
Schedule time to sit down with a licensed insurance professional and actually walk through your policy. Ask questions. Understand what you have — and identify what you might be missing.
At **Evertrust Insurance Agency** in Nashville, Tennessee, we help individuals and families make sense of their coverage so there are no unwelcome surprises at claim time.
Call us at **(615) 719-3049** or visit **evertrusttn.com** to schedule a policy review.
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*Disclaimer: This content is for general informational purposes only. Coverage is subject to policy terms, conditions, exclusions, and eligibility requirements. Please consult a licensed insurance professional for guidance specific to your situation. Evertrust Insurance Agency is licensed in Tennessee.*