As a homeowner, having a comprehensive home insurance policy is essential to protect yourself against potential financial loss from unexpected damages to your property. However, it’s important to understand that not all types of damage are covered under your home insurance policy. In this blog, we’ll explore ten kinds of damages that are typically excluded from most home insurance policies.
Home insurance policies usually exclude damage caused by earth movements such as landslides, earthquakes, and sinkholes. If you live in an area prone to these types of events, you may need to purchase separate earthquake or landslide insurance to ensure that you are fully covered.
While water damage from a burst pipe may be covered by your home insurance policy, damage from flooding is typically excluded. If you live in a flood-prone area, it's important to purchase separate flood insurance to ensure that you are fully protected.
Mold can cause significant damage to your home, but most home insurance policies exclude damage caused by mold. If you want coverage for mold damage, you may need to purchase a separate mold insurance policy.
Normal wear and tear that occurs over time are not covered by home insurance policies. This includes damage from aging, deterioration, and general maintenance issues. Homeowners are responsible for maintaining their property and making repairs when necessary.
Damage caused by pests, such as termites or rodents, is typically excluded from home insurance policies. Homeowners should take preventative measures to protect their homes from infestations and address any pest problems promptly.
Damage caused by nuclear accidents or radiation is excluded from most home insurance policies. If you live near a nuclear power plant or another nuclear facility, you may need to purchase separate nuclear hazard insurance to ensure that you are fully covered.
Damage caused by government action, such as the seizure of property or destruction of property during a riot, is typically not covered by home insurance policies.
If you own a dog that is considered dangerous or aggressive, any damage caused by your pet may be excluded from your home insurance policy. Some insurance companies may require you to purchase separate pet liability insurance to ensure that you are fully covered.
Some states that are prone to hurricanes, such as Florida and Texas, may exclude wind damage from their standard home insurance policies. In these states, homeowners may need to purchase separate windstorm insurance to ensure that they are fully protected.
Damage caused by intentional acts of the homeowner or neglect, such as failing to maintain the property, is typically excluded from home insurance policies.
It’s important to carefully review your home insurance policy to understand what is and isn't covered. For additional protection, consider purchasing separate insurance policies to cover any excluded damages. At Little & Sons Insurance Services, we can help you find the right insurance coverage to protect your home and personal belongings. Contact us today to learn more.
