The coverage a basic home policy leaves out
A standard homeowners policy covers a lot, but not everything. The coverages that catch people off guard are usually the optional ones they never knew to ask about. We have grouped them into four plain language guides, so you can start wherever your questions are.
- Educational guides for Arkansas homeowners from Aneisha LeMonier Agency.
Rebuilding your home after a loss
How your home and roof actually get paid for after a storm, fire, or major claim.
Covers ACV vs RCV, scheduled roofs, wind and hail deductibles, extended replacement cost, ordinance and law, limited matching, and landscaping.
Hidden gaps in everyday home systems
The everyday failures a standard policy quietly leaves out, and the repair bills that follow.
Covers water backup, equipment breakdown, service line, and access coverage.
Disasters a standard policy doesn't cover
Whole categories of disaster you have to insure separately.
Covers earthquake and flood insurance, plus common questions.
Protecting your finances and valuables
Where standard limits fall short, on a major liability claim or your most prized possessions.
Covers umbrella coverage and scheduled personal property, plus common questions.
- Additional Protection Resources
Extra layers of protection worth knowing about
Beyond your policy, these trusted partners help with two of the costs homeowners feel most: roof deductibles and home system repairs.
SOLA Insurance
American Home Shield
These resources are offered by third parties and are not insurance policies underwritten by Aneisha LeMonier Agency. Coverage details, eligibility, and pricing are set by each provider. The explanations on this page are for educational purposes only and are not a statement of policy terms. Actual coverage depends on your policy.
Not sure which of these you have?
Let us walk through your current policy together and find the gaps before they cost you. No pressure, just a clear look at where you stand.