What Home Insurance Doesn’t Cover: Common Exclusions Homeowners Overlook

Home insurance may provide valuable financial support in many situations, but not everything is covered under a standard policy. Many homeowners assume their plan will handle any disaster, only to face unexpected costs when filing a claim. Learning common policy exclusions can help you prepare for potential risks and explore additional coverage options if needed.

What Are Common Exclusions In Homeowners Insurance?

While policies vary, several exclusions are standard across most providers. The following are some key gaps in coverage:

• Flood damage—Standard policies do not include flooding from natural disasters or heavy rains. Homeowners must purchase separate flood insurance to cover these risks.

• Earthquake damage—Structural damage caused by earthquakes is typically not included. Those living in earthquake-prone areas should consider specialized coverage.

• Wear and tear—Insurance does not cover gradual deterioration, such as an aging roof or plumbing system. Regular maintenance and repairs are the homeowner’s responsibility.

• Mold and pest infestations—Damage from mold, termites, rodents or other pests is usually excluded. Be sure to implement preventative measures, such as proper ventilation and routine pest control.

• Sewer and drain backups—Water damage from backed-up drains or sump pump failures is not covered unless an additional rider is purchased.

• Luxury items—High-value belongings like antiques, fine art, jewelry and rare books may exceed coverage limits. Additional coverage may be necessary to fully account for these valuables.

• Intentional loss or neglect—Insurance will not cover the resulting costs if a homeowner knowingly causes harm or fails to maintain the property.

• Aggressive or dangerous dogs—Some policies exclude liability coverage for certain dog breeds considered high-risk. If your dog is classified as dangerous, you may need specialized coverage.

Learn More About Homeowners Insurance

If you have any questions about home insurance, contact Darden Insurance Agency Inc today. Our agents can discuss coverage options and help you better understand your policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.