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reduce the cost What Home Insurance Doesn’t Cover

Things You Should Know About What Home Insurance Doesn’t Cover

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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