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Courtesy of U.S. Army Corps of Engineers

There are a lot of things that aren’t covered on a standard homeowners insurance policy, and it can be easy to overlook these coverage gaps or assume they’re included in your policy. Before shopping around for homeowners insurance, or even right before you’re about to sign the policy agreement, make sure you know exactly what’s included in your policy and what separate coverage you may need in your particular area of residence. These are some of the most commons gaps in coverage with a homeowner insurance policy:

Natural Disasters

Most natural disaster—floods, earthquakes and hurricanes to name a few—are not included in your standard homeowners insurance policy. If you live in an area prone to any of these “Acts of God, ” you can look into adding a separate policy to cover potential damages.

War

Damages accrued from acts of war, whether from a nuclear, biological or civil war, are generally not covered. Terrorist attacks are included in some states, but they are not necessarily guaranteed to be included in your policy. But, if you were interested, there is such a thing as War Risk Insurance, but it’s more commonly used for companies and industries with equipment that could be damaged by acts of war.

Jewelry/Cash/Collectibles

If you have any expensive jewelry or rare collectible items that were damaged or stolen, don’t assume you’ll get the total value of the items reimbursed. Most policies have a price cap on items such as these, sometimes only covering $1,000-1,500. Even if a certain amount of cash is damaged or stolen, there is no guarantee the full amount will be covered.

Mold/Termites

Termites are incredibly destructive. They eat wood and damage the structural integrity of your home and cause thousands of dollars in damage. And a majority of the time this damage is not covered by a homeowners insurance policy at all, as it’s considered neglect on behalf of the owner for not conducting proper maintenance and inspections of the property to prevent the damage. The same goes for mold.

Courtesy of Ryan Hyde

Summer is meant to be a time for fun and excitement for kids. They’re out of school for a couple months, the pools are open and the possibilities seem endless. It’s important kids get a break from school, but the right combination of physical activity, mental stimulation and diet can keep them from falling behind when classes pick up again in the fall. We’ve aggregated a few resources to keep your kids happy, healthy and occupied during their break.

One of the biggest obstacles to overcome for kids during the summer is boredom. Luckily there are plenty of cool, creative, cost effective activities you can do with your kids, most of them in your own home. More importantly, find things for your child to do that keep them mentally fit. Get them to become as familiar with the local library as they are the nearest park.

Children of different age groups obviously crave different activities, specifically teenagers.

Having a diverse list of activities is great, but how are you fueling your kids to have the energy to keep up with everything? There is a variety of healthy snacks that keep kids happy, and the food both you and your children eat can help you stay cool and hydrated.

An environment where children can engage in activities, build personal relationships and learn is crucial to a fun, productive summer. However, don’t feel overwhelmed by trying to fill every hour of every day. Downtime is also important, and having your child explore a hobby or interest on their own allows them to gain experience with independence. And remember to take time for yourself each day, even if it’s just a few minutes enjoying a glass of lemonade or reading a good book.