What is and isn't covered in homeowners insurance?

Asked by: Dudley Bauch  |  Last update: May 16, 2025
Score: 4.4/5 (70 votes)

Damage or destruction due to vandalism, fire, and certain natural disasters are all usually covered. So is your liability if someone is injured on your property. Certain catastrophes, like flooding or earthquakes, are generally not covered by basic homeowners policies and require specialized insurance.

What is not covered in homeowners insurance?

Important: Read exclusions in your insurance contract. Earthquake, flood, mold, earth movement, and “wear and tear” are some of the perils that are usually excluded.

What is excluded from a homeowners insurance policy?

Not all damages are covered by a home insurance policy; common exclusions include floods, earthquakes, landslides, pests and mold. Homeowners can purchase endorsements or additional policies to cover excluded risks, such as coverage for high-value items or flood insurance.

Which of these is not usually covered by homeowners insurance?

Luckily, most natural disasters are covered under home insurance. Your policy probably covers wind storms, hail, lightning and wildfires. There are a few things that your policy may be missing, though. More than likely, your policy doesn't cover flooding or earthquakes.

What are commonly covered and not covered situations for homeowners insurance?

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

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What not to say to home insurance?

Avoid Misleading Phrases: Be cautious with your words. Phrases like “I think” or “It might have been” can introduce doubt and ambiguity into your claim. Instead, stick to clear, confident statements that are supported by your evidence and records.

Is water damage covered by homeowners insurance?

In general terms, water damage that is considered “sudden and accidental” will most likely be covered by your homeowners policy.

What to avoid with homeowners insurance?

4 Common Home Insurance Mistakes to Avoid
  • Under-Insuring Your Home. While this may seem like a no-brainer, many homeowners decide to go with the least amount of coverage available in an effort to save money. ...
  • Setting Your Deductible Incorrectly. ...
  • Forgetting About Discounts. ...
  • Not Customizing Your Coverage.

Does homeowners insurance cover roof leaks?

A standard homeowners insurance policy will typically cover a roof leak if the leak occurs suddenly and accidentally, as opposed to gradually. The leak must be also be caused by a covered peril—in other words, a peril that is listed on your policy. Examples of covered perils include stormy weather, fires and accidents.

What is not covered by insurance?

Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.

What voids homeowners insurance?

Common exclusions in even the most comprehensive homeowners policies include: earth movement, such as earthquakes; sinkholes or landslides that damage your home; water damage, such as floods or sewer back-ups that leak through a pipe or seep through the foundation causing damage to your home; damage resulting from ...

What are 5 common mistakes people make when purchasing insurance?

Avoid these big mistakes to save money and get the coverage you need.
  • Setting your deductible too high or too low. ...
  • Not having enough home or auto insurance. ...
  • Knowing when to drop your car's comprehensive or gap coverage. ...
  • Not knowing about health care networks and referrals. ...
  • Not telling your family about your life insurance.

Does homeowners insurance cover plumbing?

Homeowners insurance typically covers losses resulting from a sudden malfunction, such as a pipe bursting unexpectedly. However, a homeowners policy won't cover slow, constant leaks or other plumbing problems resulting from neglect or improper maintenance.

Does homeowners insurance cover tree removal?

Will homeowners insurance cover tree removal? According to The Insurance Information Institute, "a homeowners policy covers the cost of removing the tree, generally up to about $500 to $1,000, depending on the insurer and the type of policy purchased." This may vary based on the terms and conditions of your policy.

Is a burst water heater covered by insurance?

Yes, most standard home insurance policies cover damages caused by sudden and unexpected water damage. This can include a burst pipe, ruptured water heater, or other plumbing malfunctions. Please note, most homeowners policies exclude damage to your home if the water damage is due to a home maintenance issue.

Will insurance cover a 20 year old roof?

Roof requirements for homeowners insurance

A newer roof may mean a lower rate. A roof that's 20 years old or more may be ineligible for coverage or only be covered for its actual cash value. Condition: Insurance companies are looking for roofs that are in good condition with no visible signs of wear or tear.

Does home insurance cover AC?

A standard homeowners insurance policy provides coverage for heating, ventilation and air conditioning (HVAC) systems if they're damaged by a fire, for example. But if your AC unit stops working due to an accident or normal wear and tear, your insurance company probably won't pay your claim.

Does homeowners insurance go up after a claim?

After you file a home insurance claim, it's possible that your premium will increase when your policy renews. If you file one claim, your insurance company may see you as likely to file another in the future. To offset the cost of that potential claim, your insurance company may charge you more for your policy.

What is the 80% rule in homeowners insurance?

The 80% rule means that an insurance company will pay the replacement cost of damage to a home as long as the owner has purchased coverage equal to at least 80% of the home's total replacement value.

What is the most common damage to your home that insurance does not cover?

Earthquakes. Earthquakes are another common, destructive natural disaster that's common across the U.S., especially in the states of California and Oklahoma. Homeowner insurance policies won't cover you for damage caused by earthquakes.

What is the most important thing in homeowners insurance?

Make sure you're covered for the right amount – your home insurance policy should cover the full value of your home in case of damage or destruction.

What not to say to a homeowners insurance adjuster?

Admitting Fault, Even Partial Fault.

Even if you think you may be partly at fault for the accident, do not discuss this with an adjuster. Avoid any language that could be construed as apologetic or blameful. Admitting any level of fault can eliminate or reduce the compensation that may be available.

Which of the following is not covered by homeowners insurance?

Earthquakes, Floods, Sinkholes and Landslides

Every home is at risk of burglary or fire, but not every region is likely to experience earthquakes, floods, sinkholes or landslides. These risks are typically limited to certain parts of the country, so they aren't covered by standard home insurance.

Is mold covered by home insurance?

Homeowners insurance doesn't usually cover mold damage or removal unless it's the result of a covered peril. If the mold in your residence was caused by something sudden or accidental, such as a bursting pipe or some other covered incident on your policy, you may be protected.