Home Inspection Checklist

Homeowners Inspection Checklist

Updated April 5, 2021 . AmFam Team

A first-rate home inspection can help protect you from costly surprises. Reference this homeowners inspection checklist from American Family before you move in.

Your house hunt is over — you’ve finally found the one you see a future in! Before you pack the moving truck, make sure your soon-to-be home is in great shape.

To help make sure your new home is in great shape, hire a professional home inspector. A good, trustworthy home inspector will help you identify any safety concerns and structural issues with your new home, and will also take into consideration your own checklist of concerns.

Why Do I Need a Home Inspection?

Although paying for the home inspector is typically your responsibility as the buyer, a home inspection is one of the most useful tools you have at your disposal. This is because the inspector will let you know if there are problems and can point out good aspects of the home, too. You can use the inspection report to decide if the home is really the right buy for you and can help you get a fair price.

It’s also important to note that your mortgage lender will typically require your home be inspected, as it’s often part of the appraisal to ensure what they’re lending you is a fair representation of the actual market value of the home. And to confirm the property’s condition is as described as well.

Exterior Home Inspection Checklist

Once you have a home inspector, make sure they’re checking out these key things on the exterior of your home:

  • All windows, doors and frames
  • Exterior structures: Fences, sheds, decks, driveways, sidewalks, patios, retaining walls
  • Drainage system
  • Landscape, including yard, trees and walkways
  • Structure of the home, including the foundation
  • Roof
  • Siding and other exterior surfaces
  • Evidence of past water damage/standing water

Interior Home Inspection Checklist

Your home inspector will also take a look at the interior of your home, so be sure they have a look at the following:

  • Attic and upper crawlspaces
  • All doors, windows and frames
  • Floors, walls, ceilings and insulation of all rooms
  • Light switches, electrical outlets and general health of electrical system
  • Heating/cooling system
  • Sump-pump and sewage system
  • All major appliances and appliance outlets
  • Plumbing system
  • Any cabinets or fixed features of the home
  • Fireplace
  • Evidence of past water damage
  • Stairways and handrails
  • Smoke and carbon monoxide detectors

A professional home inspector will know exactly what to do, but keep this list in your back pocket and double check that they’re giving your future home the attention it deserves.

Preparing for a Home Inspection

If you’re wondering how to prepare for a home inspection, it’s thankfully straightforward. Preparing for a home inspection typically means having on hand the right information the inspector may need to accurately survey your home. Have the following at the ready when it’s time for your home inspection:

If you’ve already moved into your new home, you’ll also want to tidy up and clear the way so that the inspector can more easily do their job. Be sure to do the following:

  • Clean the inside of your home
  • Clear the perimeter of your home
  • Replace burnt bulbs
  • Clearly label your fuse box

What Do Home Inspectors Look For?

When you hire a home inspector, you’re looking for a professional opinion on the overall condition of a home. Usually inspectors come into play when you’ve found a home that you want but you’re still in the negotiating phase of the deal. Here are the main things your home inspector will be looking for:

Structural integrity

From the inside to the outside, your inspector is going to carefully check out the home’s structure. You can expect them to climb on the roof, burrow into crawlspaces and inspect every corner closely. They could find something as significant as a missing load-bearing wall that needs immediate and expensive attention. Or there could be smaller concerns, like a mismatched section of baseboard. This is what’s great about having a home inspector. They’ll review everything and then explain to you whether the issues are significant or just something to note.

The roof

A home’s roof plays a vital role in protecting the structure and everything in it. Replacing a roof is expensive, and if the house needs a new roof, this can easily affect its value and price. During inspection, the roof will be reviewed from inside and out, top and bottom. Your inspector will be looking for loose shingles or tiles, watertight seals around chimneys, debris in gutters and if the gutters are firmly attached, and they’ll check if tree limbs are touching or hanging over the roof.

After inspecting the roof, they’ll typically be able to give you a rough estimate on its remaining lifespan. Remember, an inspector’s estimate doesn’t include damage that might occur from storms or other unexpected events.

Water damage and leaks

From the roof to the basement and from every corner of the yard, your inspector will evaluate how water plays a role on the property. Leaks inside the home can be a sign of major problems — past, present and future. Your inspector will look at how water reacts outside of the house, too. If the home doesn’t have the right drainage, water could flow toward it and cause problems later. Caught early enough, these water concerns can usually be fixed before the damage gets too great or before there’s any damage at all. A savvy buyer can use this information to potentially negotiate the cost of repairs.

Plumbing and electrical

The inspector will give these two main components a thorough evaluation to make sure everything is safe and functioning correctly.

Insulation and ventilation

A properly insulated and ventilated home is more energy efficient, promotes healthy movement of air and prevents moisture build-up. From attic to basement, these areas will be examined to ensure your future home has the best insulation and ventilation.

Appliances and interior features

Are you planning on keeping the appliances? Your inspector will check each one to make sure they’re in working condition. You’ll also get condition reports on doors, floors, stairways and hand railings, counters, cabinets and more.

Codes and regulations

Most home inspectors are experts in their local community’s codes and regulations. And their knowledge on these complex topics is extremely valuable since there are different codes for different buildings, depending on when they were built and the regulations in effect at that time.

What If the Home Inspector Finds a Problem?

Inspection reports rarely come back showing that the home is flawless. After all, it’s been lived in and bound to show a little wear and tear. It’s up to you to decide if the report findings are important to you or insignificant. So how do you proceed? Use these steps to guide you on negotiating after a home inspection.

How much does it matter?

Ask yourself how much each repair matters to you. Is it a minor problem like a loose baseboard? If so, you might prefer to fix it on your own to avoid losing the sale. Or, you could encounter a more critical issue, like a leaky roof. Since roof repairs can be costly, this is an issue you might want to fix before you purchase the house. During the inspection, create a list of the important issues and determine your preferred solutions.

Talk to your realtor

Your realtor will know the current market and might have some information on the sellers’ situation. Remember, if the contract goes back into negotiation, the seller can walk away from your offer. If the market is slow and the seller is motivated, you have a little more leeway when asking for repairs. On the other hand, if the house has several other offers and the seller isn’t in a hurry to sell, it might be difficult to ask for expensive repairs.

Ask for repairs paid and completed by seller

This means the seller will pay the full amount to have the repairs completed before you buy. There may be contingencies in place where the seller mandates repairs be made by a certain date. If the repairs are not made in time, you may be able to get your earnest money back, if such contingencies are made. Learn more about home closing tips for buyers and contingencies.

Split the repairs

Often the repair list is divided up in the negotiations. The seller might be willing to take on some of the expenses but they’d like you to take on some of them, too. Don’t be surprised if you go back and forth with this list a few times before you find something everyone can agree to.

Ask for credit for repairs

If you’re willing to do the repairs or hire a professional, you can ask for credit. In this situation you get a little flexibility with time and money. You could ask the seller for the full amount of the repair or you could agree to split the costs. You also get to determine when to have the repair made, so it’s most convenient for you. The credit can be figured in a couple ways; you can reduce the purchase price or ask for cash back credit at escrow.

Accept the house as is

You might decide the repairs aren’t that important to you and not significant enough to drop the value of the home. Or, maybe you have your heart set on that house and nothing else will do. You might feel that you’re in a seller’s market and lucky to have the deal you have. It’s important to note that you don’t have to take action on anything in the inspection report.

Walk away

This might sound like a dramatic decision, but if the inspection uncovered major concerns, this might be your best option. As long as your accepted offer has a home inspection contingency, this is an option for you. But you should talk to your realtor and possibly a real estate attorney first.

Can You Get Home Insurance Without an Inspection?

It depends. Although it’s not recommended, one way you can get home insurance without an inspection is to ask your insurance group if they require them. Some home insurance providers strongly suggest you get a home inspection before issuing you a policy, but not all do. Reach out to your insurance agent (Opens in a new tab) to learn more.

What to Do After a Home Inspection

When all the negotiations are done and a final agreement is reached, you’re going to need homeowners insurance to satisfy your lender’s requirements. Talk to your American Family Insurance agent (Opens in a new tab) well before you get to this stage so they can get your paperwork ready. Then, when the time comes, just check back in with your agent and your new home will be protected before you even walk in the front door.

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    Homeowners Insurance & Temporary Housing

    Consider this — your home or apartment is damaged from a small kitchen fire and, not only does your kitchen need repairs, but your home has smoke damage as well. Would you be able to continue comfortably living there while repairs are being made? Probably not.

    That’s where insurance for temporary housing comes into play.

    Temporary living expense coverage, also known as loss of use coverage or Coverage D, is reimbursement for living expenses when loss of or damage to your home by a covered event forces you to maintain temporary residence elsewhere.

    You can use insurance for temporary accommodation in instances such as:

    • Your home becomes uninhabitable after a fire
    • A wind storm caused a tree to crush your roof
    • If a covered event, like a lightning strike, causes your air conditioner to break down
    • If an emergency, mandatory evacuation required you to relocate temporarily
    • A vehicle collided with your home
    • An explosion causes your home to become unlivable
  • Roof and gutter covered in ice.
    Roof and gutter covered in ice.
    Protect Your Roof: How to Prevent & Remove Dams

    Icicles may give your home a quaint look in winter, but they’re symptomatic of a bigger problem — ice dams. Ice dams can damage your home because they prevent melting snow and ice from draining properly. Ice dams can lead to mold, rot and water leaking into your attic and nearby ceiling. But don’t panic just yet. We’ve highlighted how to prevent and remove ice dams and ways to mitigate damage to your home from ice dams.

    Red house in the snow.

    What is an ice dam?

    What causes ice dams? Ice dams form when attic air becomes warm enough to heat the underside of the roof, which in turn causes the snow on top of the roof to thaw. The melting snow runs down the roof until it hits an eave or roof edge that is below the freezing point. The melted snow refreezes and creates a ridge of ice — an ice dam — which blocks further runoff. As snow continues to melt, it has nowhere to go but up, where it starts seeping under the shingles and into the house.

    Ice dams typically form near the edge of the roof when water runs off the warmed roof and then freezes again at the eaves, but this isn’t the only place you’ll find them. They can also form on gutters that don’t drain completely and around skylights because of the less-insulated design.

    Icicles hanging from roof's gutter.

    Why are ice dams bad?

    Ice dams can cause big problems for your home. The weight of these heavy icicles has been known to rip gutters from roofs and cause damage to the shingles on your home. But the damage doesn’t stop there. Damaged drywall and plaster, water-stained ceilings and peeling paint are also the result of ice dam damage.

    Ice dams increase the chance of water seeping into your attic and soaking your insulation. This significantly brings down its R-value or its heat-retaining/insulating capacity — and worse yet — it can cause structural damage if left unchecked. Over the years, the effects of ice dams can lead to blistering of the interior and exterior paint. It can also spur the growth of mold and mildew, as well as weaken structural beams and rafters. Take into account the high-cost contractors will likely charge to fix the problem and you’ll begin to understand why it’s wise to take a proactive approach to managing ice dams.

    Person inspecting roof for damage. 

    How to Identify Ice Dam Damage to Your Home

    If you suspect that your home has an ice dam, it’s important to first detect signs of ice dam leaks and assess the extent of the damage. It may be necessary to bring in a contractor for an estimate in order to have a solid understanding of how extensive the damage is. In the meantime, here are some DIY ideas to try out:

    Snap some photos

    From the exterior of your home, take a few photos that you can use as a reference to look for signs of water damage on the interior. Look for stains on your ceilings and walls near the position of the ice dam.

    Check your attic

    Get into the attic and look for water dripping or staining on the rafters and roofing underlayment. It can be helpful to flag these areas so that you’ll be able to locate them later.

    Inspect your chimney

    See if you can find evidence of ice forming around the base of the chimney, where it meets your roof. If the flashing has come loose or isn’t sealed well, this can be another place where ice and meltwater can do some damage. From inside the attic, review the way heat escapes from around the perimeter of your chimney. If you can see daylight through that seal, take action to seal it up as soon as possible.

    Snow and ice on a roof and gutters.

    How to Prevent Ice Dams

    The basic principle of preventing ice damns is keeping your roof cold. If your roof is cold, snow won’t melt as fast and an ice ridge will be less likely to form. Keeping your roof cold isn’t always as easy as it sounds, so we’ve got ice dam prevention tips for you.

    Ice dams are usually created when the attic is warmer than the air outside. Ideally, the insulation keeps warm air in your home and out of your attic. The venting system in your attic helps keep it cool and hopefully close to the temperature outside. Together, this clever combination keeps snow on the roof from melting — and if the snow doesn’t melt, then ice dams shouldn’t form.

    The key to preventing ice dams on roofs and in roof valleys involves increasing ventilation in your attic, adding insulation and sealing air leaks. This is not a quick fix but a permanent correction, so it requires some effort and, most likely, professional assistance. However, the long-run benefits include a roof free of ice dams and a more energy-efficient home. We’d call that a win-win.

    Worker insulating an attic.

    Follow these 10 steps to avoid ice dams:

    1. Increase ventilation. Keeping cold air moving under the roof is the first step toward preventing ice dams. The ridge and soffit vents are designed to do this, but they might require a professional inspection and baffles to improve the flow and provide a clear path for the air.

    2. Cap the attic hatch. If you have an unsealed attic hatch, a weather-stripping cap will keep the heat in your home and prevent it from creeping into the attic. Remember, you don’t want warm air coming up into the attic and melting snow on the roof, causing freezing and ice dams.

    3. Examine exhaust systems. Most homes have exhaust ducts in the bathrooms, kitchen and laundry room. These vents should all lead outdoors through the roof or walls. If they’re vented to the soffit, you’ll need to have that changed for permanent ice dam remediation.

    4. Check the insulation. Check to see if your attic floor needs more insulation. Maintaining this protective barrier at optimum depth helps your home stay warmer and more energy efficient while keeping the cool air in the attic.

    Worker fixing a chimney.

    5. Install chimney flashing. Do you have flashing, a metal strip that prevents water penetration, between your chimney and the house? If not, it’s time to add it and seal any gaps where ice, water and cold wind can sneak in. Remember, you’re working around the chimney, so using fire-safe products is essential.

    6. Caulk leaks. Anywhere electrical cables, vent pipes, satellite dishes and other penetrations occur in the roof, you stand the risk of having gaps and air leaks. Caulk these areas with a fire-stop sealant to keep them as air-tight as possible.

    7. Check the ducts. Make sure all ductwork through the attic is properly sealed and insulated. If you have an older home, it pays to check your heating ducts to make sure they’re not bringing excess heat into the attic.

    Worker fixing a light in the ceiling.

    8. Look at the lights. If you have can lights or other light fixtures in your ceiling that are not sealed, you’re releasing heat into the attic. You might also be putting your home at risk for a fire. For increased safety, change these lights to an IC-rated fixture, which allows for direct contact with insulation and insulate over the lights.

    9. Add an ice-and-water barrier. If you’re reroofing, it’s time to add an ice-and-water barrier. This is a great layer of protection. While many regions now require it, it wasn’t always mandated, so your home may not have one. An ice-and-water barrier needs to be added under a roof, so it’s cost-prohibitive if you’re not reroofing — but if you are, it’s the perfect time to add it.

    10. Keep your roof in good shape. One of the best answers to prevent ice dams is to maintain your roof well and ensure you have enough insulation to keep warm air from getting through. Installing a metal roof with a steep pitch can minimize your risk of leaks caused by ice dams.

    Person on a ladder fixing his gutters.

    Quick Fixes to Get Rid of Ice Dams

    While your goal is to permanently stop ice dams, you might need to use a few quick fixes in the meantime. These tips help you stay on top of ice dams and prevent damage to your home.

    Use a snow rake. After a heavy snowfall, give your roof a break by raking the snow off. This inexpensive tool pulls down the snow so it can’t melt and refreeze into an ice dam. Only use a snow rake from the ground or your deck, never from a ladder. And be careful not to break shingles, which can be brittle in bitter cold temperatures.

    Try calcium chloride. Avoid using rock salt as it can damage paint and metal on your home. But calcium chloride can help melt ice and get water flowing again.

    Install heat cables. Mount heat cables along the edge of your roof and through the downspout. That enables snow to melt and run down the proper channels.

    Steam it off. If you have an ice dam already and you can see that there is a leak coming into your home, you’ll want to remedy it as soon as possible. Check with local roofing companies to see if they have a steamer that can melt the ice off the roof without damaging your shingles. If it’s too big a job for just you, hire a roofing professional to steam off ice dams.

    Not having to worry about ice dams can be a huge relief in the winter months. You instantly free yourself from the immediate issues of a damaged roof and leaks. In addition, your home becomes more energy efficient and comfortable as the air quality improves if moisture isn’t sneaking in and forming mold and mildew.

    Person on a roof holding hail in their hand.

    Does insurance cover ice dams?

    If an ice dam damages your roof, don’t fret. It’s common for homeowners insurance to cover ice dam damage. American Family’s standard homeowner’s policy covers sudden and accidental damage from leaking roofs and damage from the weight of ice, snow or sleet.

    If you have more concerns about your roof insurance coverage or you’d like to learn how your homeowners insurance protects your roof and everything under it, connect with your American Family Insurance agent — they’ve got the answers you need.

     

  • Row of colorful new townhouses.
    Row of colorful new townhouses.
    Do I Need Homeowners Insurance for a Townhouse?

    Whether your townhouse is a rental, in a condo association or one that you own, you’ll need insurance for it. While homeowners insurance for a townhouse might seem appropriate, there are a few factors to consider before purchasing insurance. If you’re the owner of the townhome and aren’t part of a condo association, homeowners insurance is right for you — but if you’re part of a condo association, you’ll want to look at condo insurance. And finally, if you rent your townhome, go for renters insurance.

    New townhouse on a sunny day.

    What is the difference between a condo and a townhouse?

    Condos and townhomes may seem similar, but they have a few key differences. A condominium is typically a living space, either a townhome or apartment-style space, that is owned by a condo association and has shared common space among residents that their condo association fees pay for. If a townhome isn’t owned by a condo association, it’s not a condo.

    Townhomes are typically multi-story buildings that share at least one wall with another townhouse. They look a bit like row houses without easements between the buildings. They can be owned by a condo association, rented from a landlord or owned by individual homeowners.

    House with roof damage from a fire.

    What is covered under townhouse insurance?

    There generally isn’t such a thing as “townhouse insurance,” so to understand what’s covered, you’ll need to consider your living situation. If you’re living in a townhome that isn’t owned by a condo association, you’ll want to look into renters or homeowners insurance.

    If you own your townhouse:

    If your townhouse is solely yours and not part of a condo association, you’ll need a homeowners insurance policy to help protect your property. Home insurance for townhouses covers the same things that it would for a regular house, including:

    • Damage from fire, smoke, wind and other disasters or hazards
    • Damage to your home’s structure
    • Theft of or damage to your personal belongings
    • Liability protection if someone is injured on your property

    You can add other coverages to supplement your homeowners policy that can help cover expenses associated with appliance breakdown, flooding or even identity theft. Learn more about what homeowners insurance can help protect.

    For rent sign on townhouse.

    If you rent your townhouse:

    If your townhouse isn’t part of a condo association and you’re renting it, renters insurance can help you protect your personal property in the event of an accident or theft. Renters insurance for a townhouse can help cover things like:

    • Damage to your personal property from a fire
    • Replacing your personal property after theft
    • Liability protection if someone is injured in your townhome

    Even when you’re away from home, your renters insurance follows you wherever you go.

    People around a table, having a meeting.

    If your townhouse property belongs to a condo association:

    Condo association policies typically only cover common areas and the exterior of the building you live in, although some will cover the interior — but only in its original state. To be sure your personal property and any updates to the interior you’ve made are protected, like granite countertops to replace the original vinyl, you’ll want to get your own condo insurance policy.

    Condo insurance coverage helps protect the things not covered by your condo association’s insurance policy. This includes personal property and personal liability coverage, which can help cover expenses if someone is injured on your property. Even if your condo association insurance policy covers some things that a condo insurance policy might, you should consider condo insurance to take care of any gaps in coverage.

    New townhouse living room.

    Get the Townhouse Insurance Coverage You Need

    If you need help assessing your townhome to understand the right type and amount of protection you need, connect with your American Family Insurance agent. They can help you figure out if you need condo, renters or homeowners insurance and what kind of additional coverages you need to protect what matters most.

  • finished basement
    finished basement
    What Is the Ideal Humidity for a Basement?

    The humidity levels in your basement can impact your home and everyone living inside. It can also affect your valuables, electronics and appliances. In this article, we'll discuss ideal basement humidity levels. We'll also give tips to help you address, monitor and manage moisture in your basement.

    Father and son smiling in living room

    Normal Basement Humidity Levels

    Ideal basement moisture levels are between 30 - 50%. Anything below 30% is too low and can lead to structural changes in your home, causing gaps between windows and doors. Aside from health issues, insufficient moisture levels can also cause wood floors to creak and damage your belongings.

    Moisture levels above 50% can lead to mildew, mold and bacteria growth. That environment can cause serious health issues. Excessive moisture can also damage walls and carpets, causing your home and belongings to rot.

    Locating Your Basement Humidity Source

    One of the best ways to address basement humidity levels is to manage the moisture at its source. While consulting with a professional is always helpful, you can start your search using the following methods.

    Seal Off Drafts

    Gaps and cracks in windows, doorways and walls can cause excess moisture to collect in your basement. Sealants like caulking and weatherstripping can help close the gaps and fix the issue.

    Maintain Your Sump Pump and Vents

    If your sump pits and drains are not airtight, the excess moisture from the pipes can create a humid environment. Maintaining your basement's vents and sump pump can help you manage moisture levels. Consider getting it checked by a professional once every three to four months for optimal performance. 

    Repair Leaks

    Leaking pipes, washing machines and water heaters can affect your basement's humidity. They can also cause other issues, such as a spike in your utility bills.

    To spot them, look for wet spots, rust or condensation around these areas. Beyond helping you maintain healthy basement humidity levels, it helps you catch costly leaks early.

    Clean Gutters

    Clogged gutters can pool rainwater and melting snow around your home’s foundation. Consider positioning gutter spouts to draw water away from your home. Additional outside water can saturate your basement floors and walls, increasing moisture levels.

    woman in living room with cat and dehumidifier

    Managing Your Basement Humidity Levels

    Some humidity issues are more severe than others. However, there are several accessible tools you can use to maintain appropriate moisture levels in your basement and home. Consider the following tips.

    Dehumidifiers

    Several dehumidifier types, such as refrigerant, desiccant and whole-house ventilation systems, are available. They can help you manage moisture levels in your entire home, a single room or a crawlspace. All serve one purpose: To remove excess moisture from the area.   

    Before purchasing yours, consult an expert. They can help you find a suitable model and size that best addresses the humidity in your basement.

    Exhaust Fan

    Another excellent way to manage your basement's humidity levels is to keep it well-ventilated. Installing an exhaust fan is a great option if you can't accomplish that naturally.

    An exhaust fan should be installed in a window or exterior-facing wall to draw the moist air away from your basement. As a bonus, exhaust fans can circulate the air, which helps control unwanted odors.

    Chemical Absorbents

    If you need a fast-acting, inexpensive, moisture-removing option, chemical absorbers, such as silica gel, may be able to help. They're typically sold in home improvement stores and can be placed in other parts of your home as well.

    Humidity Monitor

    A humidity monitor can help you track your basement's humidity levels. Some dehumidifiers and exhaust fans come with them built in. You can also buy a stand-alone model that hangs on your wall.

    Water Leak Detector

    Water leak detectors help you catch leaks early and boast a variety of capabilities, such as sending real-time alerts to your phone.

    You can install them on sinks, appliances and water heaters. Getting one may also qualify you for our smart home discount.

    father and daughter doing laundry

    How American Family Insurance Can Help Protect Your Home

    Our standard home insurance may help protect you from sudden, accidental water damage. Qualifying events may include burst pipes or broken-down appliances.**

    If you want more protection from unexpected losses, talk to your American Family agent about the following coverages:

    • Hidden Water coverageProvides a broader net of protection for leaks you can’t see within the walls, floors, ceilings, cabinets or anywhere else that isn’t visible in your home.***
    • Inland Flood coverage: Helps you recover after a flash flood or other qualifying event.*** 
    • Flood insurance: With the National Flood Insurance Program, we offer flood damage protection for your home and possessions.†
    • Water back-up coverage: Helps mitigate the cost of repairs caused by water coming back into a home due to a backed-up drain or an overflowing sump.* 

    mother and daughter putting toys away

    *Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Please check with your agent and read the policy and endorsements for exact details on coverage limits and exclusions. Coverage applies after the property deductible has been met.

    *This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for

    **Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.

    †American Family Insurance is a participating company in the National Flood Insurance Program (NFIP). NFIP is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). Flood insurance is a separate policy underwritten by NFIP.