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
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)