On its face, a basic homeowners insurance policy won’t cover certain perils or losses. For example, some high-value jewelry might only be minimally insured under standard homeowners personal belongings coverage. Most plans are easily adjustable to include endorsements that will provide the appropriate level of benefits for even the most unique Sherman homes.
However, keep in mind that even with a fully customized plan, limitations on coverage will exist. In addition, home insurance will not cover any negligence on behalf of the homeowner. For example, if your roof leaks and it’s discovered that shingles were missing but not replaced, a claim may be denied because the damage could have been prevented.