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Surprising Things Homeowners Insurance Won't Cover

Part of owning a home is paying for a homeowners insurance policy. While it is an expense, it can add significant peace of mind to have insurance coverage in the event of an accident or mishap. While not everything is covered, you may be surprised to know the following 5 things will likely not be covered by homeowners insurance!

  1. Flooding: If the flood is due to a burst pipe or overflowing washing machine, chances are it will be covered. However, if it is from a hurricane, a river that overflows, or another disaster, chances are it will not be covered. However, if you live in an area that is prone to flooding or you want additional peace of mind, you can purchase a separate flood insurance policy.

  2. Earthquakes: Much like flooding, earthquakes are not typically covered by standard insurance policies. If you live in an area that is prone to earthquakes, like California, you have the option to buy a separate earthquake insurance policy. If your home has specific improvements (or you make these improvements) that help your home better withstand an earthquake, your insurance company may offer you a rebate or discount.

  3. Mold: Mold is typically covered in certain situations, but not all. For example, if you have a burst water heater and the damage later causes mold, that is typically a covered expense. If your home develops mold after flooding from a severe storm, that typically will not be covered.

  4. Sewer Backup: If the sewer backs up and floods your home, chances are you'll be responsible for cleaning up, and paying for, the necessary repairs.

  5. Wear and Tear: Normal wear and tear is not covered by your homeowner's policy. The policy is there to cover actual emergencies that are outside of one's control, not wear and tear that may have been prevented. This highlights the importance of fixing and staying on top of small issues before they turn into big issues. It is usually much, much cheaper to fix things sooner than later!


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