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Homeowners Insurance: What It Covers & What It Doesn’t

Little & Sons Insurance Group / Archive  / Homeowners Insurance: What It Covers & What It Doesn’t
Homeowners Insurance: What It Covers & What It Doesn't

Homeowners Insurance: What It Covers & What It Doesn’t

You might be surprised as to what your home insurance covers and what it doesn’t. Here are some things that may surprise you about your homeowners insurance’s coverage. 

What does your homeowners insurance cover? It all depends on what kind of policy you have and what is included in this policy. A basic homeowners insurance policy, called an HO-1, covers your home and possessions if they are damaged or destroyed by things like:

  • Aircraft (and things falling from said aircraft)
  • Civil commotion
  • Explosion
  • Fire
  • Hail (not available everywhere)
  • Lightning
  • Malicious mischief
  • Riots
  • Smoke
  • Theft
  • Vandalism
  • Vehicles
  • Volcanic eruption
  • Windstorm

The Complete Coverage

A complete version of home insurance is called HO-3 covers you for all perils except for very specific ones like:

  • Earthquakes
  • Floods
  • Landslides
  • Mudslides
  • Nuclear accidents
  • Sinkholes
  • Wars

What Homeowners Insurance Doesn’t Cover

There are some dangers that are simply too risky for homeowners insurance companies to insure against. The standard homeowners insurance policy doesn’t cover things like:

  • Things that happen because you failed to maintain your home (like mold)
  • Hurricanes
  • Floods
  • Earthquakes
  • Mudslides
  • Landslides
  • Sinkholes
  • War
  • Nuclear accidents
  • Sewer backups
  • Sump pump failure
  • Ground movement and holes caused by mining (known as mine subsidence insurance)
  • Pollution

It’s always important to review your homeowners insurance policy annually just to make sure that you are covered for anything you feel you might need and for the correct amount. You may feel like you need less or more on certain aspects of your policy, so calling your insurance agent is the best way to go about it.

Getting the right insurance coverage shouldn’t be a task you have to worry about, so contact Little & Sons Insurance Services. Our dedicated team can help you get the right homeowners insurance. We serve Banning, Beaumont, Calimesa, Redlands, and the surrounding California area and can help you protect yourself against the risks you face.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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