Is natural deterioration or wear and tear covered by home insurance?

"I know home insurance policies have certain perils that are covered or excluded, but what about natural deterioration or wear and tear over time?

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Answer
“Typically, normal wear and tear is not covered on a home insurance policy. Home insurance policies are there to protect you if there is a loss that is unexpected.
If there are parts of your home that are getting old and need to be replaced, it is up to the homeowner to replace them. For example, if your furnace is old and fails due to age, you would be responsible for replacing it or getting it fixed.
For home insurance to cover damage, there has to be a root cause to the damage. If that root cause is a covered loss (fire, hail, theft and vandalism, etc.), then your home insurance policy will cover the damage. “
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Savannah Grabek
Answered on Apr 09, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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