 TITLE: Homeowner Expenses Beyond Your Mortgage CONTENT: Repairs\n-------\nUnfortunately, repair costs are difficult to predict and plan for. While some repair costs that come from natural disasters like floods and earthquakes are typically covered by homeowners insurance, you may still have to meet the deductible and pay for the excess expenses out of pocket. Some of the most common and expensive home repairs include roof repairs, septic tank replacements and basement waterproofing. That's why it's a good idea to maintain an emergency fund to protect you in case of unexpected repairs. END