What Is NOT Protected by Homeowners Insurance?

4 events homeowners Insurance does NOT cover 

The standard policy for homeowner’s insurance will cover many different potential events that happen to your home, but there are also a few vital exclusions to consider. It’s essential to review your homeowner policy so that you are informed about what is covered and what is not covered because if something happens to your home, this knowledge can save you a lot of money and grief.


If your home suffers flood damages, a regular or standard policy for homeowner’s insurance will not generally cover these types of damages. If your home is susceptible to damages from floods, you will want to consider getting a separate insurance policy that covers floods.

 According to the Insurance Information Institute, the most amount of coverage available is $250,000 for a home and $100,000 for belongings or contents inside of the home. This type of insurance is only available through a federal program called the National Flood Insurance Program.


Earthquakes, earth movements and shifts, and sinkholes are generally not covered in standard homeowner insurance policies in most states. If you live in a state where these events are commonplace, it is wise to purchase earthquake insurance as an addendum.

Lack of Maintenance

If there are problems that result from neglecting necessary maintenance on your home as with mold or pest infestations are usually not covered in a standard policy, unless there are special coverages noted.

To reduce mold in the home, clean your bathrooms with known mold killers like bleach, and to use the home’s air conditioner and dehumidifiers.

In addition, damage caused by smoke or smog from industries close to your home is also not covered on a homeowners insurance policy.

Backups from Sewers

Standard homeowner insurance policies generally don’t cover damages to a home from a backed-up sewer. This damage can occur from using outdated and old sewer systems, major blockages in a sewer system, and pipelines that combine raw sewage with stormwater.

here are options for insurance coverage against damage from sewer backups that can be purchased separately.

Final Takeaway

When investing in a homeowner’s insurance policy, it is best to read the fine print and take the time to truly understand what is covered and what may not be covered. When you read the fine print and understand how your policy works, there are no surprises, and you prepare yourself better to handle insurance claims to your advantage.

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