What Does Homeowners Insurance Not Cover?

Homeowners insurance policies contain exclusions that specifically state the types of risk not covered. Even the most comprehensive policy will exclude certain types of damage.

Some common exclusions in a homeowners insurance policy are:

  • Flood loss, including tidal surge or continuous and repeated seepage

  • Earthquakes, earth movement, landslides, mudslides, and sinkholes

  • Termites, insects, rats, mice, birds, or other vermin

  • Wear and tear and household maintenance

  • Pollution

  • Liability resulting from the ownership or use of an automobile, aircraft, or certain watercraft

  • Wind or hail damage to trees, shrubs, plants, or lawns

  • Intentional acts by you or a resident of your home

  • War or nuclear hazard

Other types of insurance may cover certain types of damage excluded under a homeowners policy. For example, flood insurance can be purchased through the National Flood Insurance Program. Car insurance provides liability coverage for your use of an automobile, and boat insurance for certain watercraft.

Additionally, endorsements may be available for the following risks:

  • Fungi, wet or dry rot, or bacteria
  • Water back-up and sump discharge or overflow
  • Earthquake (in certain states)

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.