Which of the following is not covered under a basic homeowners insurance policy?

Asked by: Mr. Clyde Okuneva Jr.  |  Last update: September 3, 2025
Score: 4.8/5 (39 votes)

Items such as damage from termites and insects, birds or rodents, as well as rust, rot, mold, and general wear and tear are typically not covered under a homeowners insurance policy.

What is not covered under a homeowners policy?

Earthquake, flood, mold, earth movement, and “wear and tear” are some of the perils that are usually excluded.

Which of the following is typically not covered in a basic homeowner's insurance policy?

Key takeaways. 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 the following would not be covered by a homeowners policy?

Most catastrophes are covered. For example, wind damage from hurricanes or tornadoes is covered as a windstorm peril. But, flood damage and earthquake damage are NOT covered by a standard homeowners policy. A separate policy is required.

Which of the following is not an insured on a homeowners policy?

Final answer: The 65-year-old uncle residing off the premises would not be considered an insured under a homeowners policy. Insureds typically include family members living in the home. Non-residing relatives are generally not covered.

Which Of These Are Not Usually Covered By Homeowners Insurance? - InsuranceGuide360.com

20 related questions found

What does homeowners insurance not cover Quizlet?

Policies will NOT cover loss or damage from... flooding, earthquakes, termites, freezing pipes, wear and tear, or lack of maintenance. Flood insurance is available for purchase, and in some cases required depending on where the home is located.

What is the most basic homeowners insurance policy?

HO-1 (basic form)

HO-1 polices are the most basic type of home insurance, offering limited coverage, and not available in most states. Your home's structure will be protected against eleven specified perils, such as fire, lightning, windstorms and hail, but you won't have liability or personal property coverage.

Which of the following is covered by a homeowners policy?

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages.

What does insurance not cover?

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.

Which of the following coverages is not included in the basic dwelling policy?

What is not covered by dwelling insurance? A standard homeowners insurance policy typically does not cover floods, earthquakes, sewer backups or damage that occurs from a lack of maintenance. You may be able to buy additional coverage or a separate insurance policy to help cover some of these additional perils.

What is included in basic coverage?

While different states mandate different types of insurance and there are several additional options (such as gap insurance) available, most basic auto policies consist of: bodily injury liability, personal injury protection, property damage liability, collision, comprehensive and uninsured/underinsured motorist.

Which of the following is not a basic principle of insurance?

Maximization of Profit is not the principle of insurance. There are seven basic principles that create an insurance contract between the insured and the insurer: Utmost Good Faith, Insurable Interest, Proximate Cause, Indemnity, Subrogation, Contribution and Loss Minimization.

Which of the following is typically not insured under property insurance?

The following types of property are commonly excluded under property policies: Money and securities, accounts, bills, and food stamps. Animals other than stock. Vehicles, aircraft, or watercraft (with some exceptions)

Who is not eligible for a homeowners policy?

Though providers may vary on the criteria used to determine whether a home is uninsurable. Living in a high-risk location, having hazardous home features, home maintenance issues, your home's history of insurance claims, and more can be reasons an insurance company may determine a house to be uninsurable.

Which is not covered by the Homeowner's Protection Act?

The act does not apply to mortgage insurance made available under the National Housing Act, title 38 of the U.S. Code, or title V of the Housing Act of 1949, including mortgage insurance on loans made by the Federal Housing Administration and guarantees on mortgage loans made by the Veterans Administra- tion.

Which would normally not be included in a standard homeowners insurance policy?

In general, a standard homeowner's insurance policy usually does NOT cover the following perils: Dogs & Pet Liabilities (It Depends) Normal Wear and Tear. Intentional Loss & Neglect.

What is not covered in a homeowners policy?

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.

Which of these are 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.

Which of the following is not of insurance?

The functions of insurance are risk sharing, assisting in capital formation, economic progress, etc. Lending of funds is not a function of insurance.

What is under a homeowners policy?

Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy.

What do homeowners policies not provide coverage for quizlet?

Homeowners policies don't provide coverage for: flood damage. liability in the case of third party injury. damage to outbuildings.

Who is not considered an insured under a homeowners policy?

An individual under age 21 in the care of but not related to the insured would NOT be considered an insured under a homeowners policy. The insured in a homeowners policy usually refers to the homeowner or policyholder, their spouse, and any blood relatives residing in the household.

Which one is not protected by most homeowners insurance?

Standard homeowners insurance policies usually don't cover the following:
  • Earthquakes, Floods, Sinkholes and Landslides. ...
  • Sewer Backups, Septic Tank Backups, Drain Backups or Sump Pump Failures. ...
  • Wear and Tear. ...
  • Animal and Insect Damage. ...
  • Dog Attacks.

What is the most basic insurance?

The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident.