What Home Insurance Doesn’t Cover: Common Exclusions You Should Know
Home insurance protects your home and belongings, but it doesn’t cover everything. Knowing the exclusions in your policy helps you avoid costly surprises during emergencies.
1. Flood Damage
Most standard policies do not cover flood damage. If you live in a flood-prone area, consider purchasing separate flood insurance to stay protected.
2. Earthquakes and Sinkholes
Damage caused by earthquakes or sinkholes is usually excluded. If your region is at risk, add an earthquake rider or separate policy to your coverage.
3. Maintenance Issues
Insurance does not cover damage caused by neglect or wear and tear. That includes old plumbing, leaking roofs, or untreated mold.
4. Pest Infestations
Rodents, termites, and other pests can cause major damage, but insurance won’t pay for it. Regular maintenance can help you avoid costly repairs.
5. High-Value Items
Standard policies limit coverage for jewelry, art, and collectibles. You may need extra endorsements or a rider to fully protect these valuable items.
6. Business Use of Home
If you run a business from home, your personal policy likely won’t cover business-related property or liability. You may need home business insurance.
7. Intentional Damage
Damage caused on purpose, whether by you or others, is not covered. Insurance only applies to accidental or unexpected losses.
Stay Covered and Informed
It’s just as important to know what home insurance doesn’t cover as what it does. Review your policy often and talk to your agent about any extra coverage you might need.
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