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The most important home coverage you may not have

The most important home coverage you may not have

Building ordinances coverage is a very important aspect of home insurance that is often overlooked by homeowners and not explained by agents. This coverage helps to protect you from unexpected costs that may arise as a result of local building codes and regulations.

When you make any changes or renovations to your home, you are typically required to adhere to the building codes and regulations in your area. These codes can dictate everything from the type of materials you use to the upgrading of your electrical and plumbing and to the way you build or renovate your home. If you fail to follow these regulations, you may be required to make costly changes to your home to bring it up to code.

Building ordinances coverage helps to cover these costs when you have a claim. Without this coverage, you may be left paying out of pocket for any changes required to bring your home up to code. This can be a significant financial burden, especially if you have recently made renovations to your home.

Building ordinances coverage was typically included in most home insurance policies. In Tennessee, up until a few years ago, it was required by law. Nowadays, seeing this coverage on a home policy is becoming rare. 

Overall, building ordinances coverage is an important aspect of home insurance that can provide protection and peace of mind for homeowners. Be sure to check with your insurance provider to ensure that you have this coverage, and consider adding it to your policy if it is not already included.