Check the Fine Print: Situations That Could Invalidate Your Insurance Coverage

Services for Real Estate Pros with Think Glink Media

After your home is damaged by severe weather, or after you become sick with a serious illness, the last thing you want to worry about is whether or not your insurance policy will cover your bills. Many people assume that becomes they have insurance, they will be covered 100% of the time. 

Unfortunately, the devil is in the details. The fine print of your insurance policy could contain stipulations that would invalidate your coverage in the event of an accident. Don't wait until an accident to find out whether you've invalidated your policy. 

Insurance broker Linda Rey has written an excellent post on three common situations that could negate your coverage. Her message? Always read the fine print. Check out her blog now to avoid the shock of finding out you're not covered:



Ilyce Glink is the author of several books, including 100 Questions Every First-Time Home Buyer Should Ask and Buy, Close, Move In!. She blogs about money and real estate at, The Equifax Personal Finance Blog and CBS Moneywatch She is Chief Content Strategist at, a community for real estate investor


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Jeremy De La Garza
Corpus Christi Realty Group - Corpus Christi, TX
Corpus Christi, TX

Unfortunately, I hear about this all the time. It is important to have all the coverage you'll ever need. We recently had a drainage ditch back up and flood a local neighborhood with 3 feet of water. Since it was not in the flood zone and a low income area, not one house had flood insurance. 

Feb 10, 2011 02:22 AM #1
Larry Costa
Century 21 Classic Gold, Carver MA - Carver, MA
Realtor, Carver MA Real Estate

This is so true and unfortunately people don't find the answer until something bad happens. Roofs collapsing, frozen pipes, etc here in the NE. I just wrote a blog on how a Realtor was blamed by the insuarance company when the pipes froze and are refusing to pay.....

Feb 10, 2011 02:25 AM #2
Kevin Vitali
EXIT Realty- Massachusetts Short Sales & Residential Sales - Tewksbury, MA
Helping Massachusetts Home Buyers and Home Sellers

As a Real Estate agent who handles short sales in Massachusetts, I am running into insurance companies that will not pay a frozen pipe claim on unoccupied houses.

Feb 10, 2011 06:26 AM #3
Ilyce Glink
Think Glink Media - Chicago, IL
Best-selling author, award-winning TV/radio host.

Jeremy, Larry, and Kevin: You're right, this is an especially important issue to consider in the winter, when storms and frozen pipes can cause major property damage. It's more crucial than ever to make sure homeowners know the terms of their policies. 

Feb 10, 2011 06:52 AM #4
Brenda Whitman, Live in Laramie Real Estate
Live in Laramie Real Estate, Laramie, Wyoming - Laramie, WY
Broker/Co-Owner, Laramie, Wyoming

Hi Ilyce, Thanks for the great links!  As usual I have bookmarked and hope to explore them in depth later today.  I didn't realize until recently there was so much that could actually negate your coverage!

Feb 11, 2011 06:00 AM #5
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Ilyce Glink

Best-selling author, award-winning TV/radio host.
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