What Your Homeowners Insurance Doesn’t Cover – Simple Guide

Homeowners insurance is essential—it protects your home, belongings, and even visitors if accidents happen. But it doesn’t cover everything. Here are five key things your standard policy won’t pay for:

Flood Damage – If heavy rains or a river overflow causes flooding, you’ll need separate flood insurance from FEMA. However, standard policies do cover water damage from burst pipes or sewer backups.

Insect & Pest Damage – Termites, ants, and mice can cause serious damage, but insurers see this as a maintenance issue, meaning you’ll have to pay for extermination and repairs yourself.

Earthquakes – Standard policies won’t cover earthquake damage. If you live in a quake-prone area, consider earthquake insurance for protection.

Sinkholes – Like earthquakes, sinkhole damage isn’t covered. You’ll need a separate policy if your area is at risk.

Home Businesses – If a client gets hurt at your home business, your homeowners policy won’t cover medical bills or lawsuits. A home-based business policy can provide that protection.

Knowing what isn’t covered helps you get the right protection for your home. Consider extra policies if needed!