Which area is not protected by most homeowners insurance?

Which area is not protected by most homeowners insurance?

Which area is not protected by most homeowners insurance | Find out now

Your insurance coverage is a legal contract between you and your insurance company. Therefore, you need to understand what coverage you get and what not. Unfortunately, insurance companies often do not openly tell about their coverage options that are important to know. 

This article needs to understand which area is not protected by most homeowners insurance. 

What is Home Insurance?

Homeowners insurance is a legal way to transfer risk to an insurance provider if your house needs to be repaired or rebuilt by any damage or accident. In addition, it provides financial protection for your home and personal belongings in the event of an accident, fire, or other misfortune. 

Home insurance also protects you against costly lawsuits resulting from incidents on your property.

Areas that Home Insurance does not protect

Here we have listed some of the points usually not covered by home insurance. 

Accidental Damage

Homeowner’s insurance companies cover the cost of repairing or rebuilding your house in the event of an unintentional accident such as a fire, flood, or natural disaster.

Suppose a fire destroys your home and you have nowhere to stay. In that case, a homeowner’s insurance may cover additional living expenses such as a hotel stay or rental. The company policy will also cover damage caused by incidents such as hailstorms or vandalism in most cases.

Dog Bites

Some insurance companies will not cover any claim if you have a violent breed of dogs, such as a Dobermann or a Pitbull. However, for covered dog breeds, if your dog attacks a visitor, your policy will cover a dog attack claim up to the limits of your current liability coverage, which is usually between $100,000 to $300,000.

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Flood Disaster

Flooding caused by a leakage issue, such as a leaking pipe or an overflowing toilet, is usually covered by homes insurance. On the other hand, floods caused by external factors are very similar to earthquakes.

You can contact your insurance carrier about adding flood coverage to your policy or (more likely) purchasing separate flood insurance, primarily if you reside in a flood-prone area. Most flood insurance plans are administered by the Federal Emergency Management Agency’s National Flood Insurance Program. 

The maximum amount of coverage provided is $250,000 for the residence structure and $100,000 for its contents.

Mold Damage

Mold is another standard homeowner’s insurance exclusion. Mold Damage is a problem that grows over time all around America. As a result, insurance companies see it as something that can be avoided, primarily before it affects your home or your family’s health. Make every effort to prevent mold, as most insurance companies do not cover this policy.

Nuclear Hazard

A homeowners insurance policy will not cover you if your home is damaged or destroyed due to a war or conflict. This includes damage caused by nuclear accidents or government seizure of your property. 

On the other hand, your homeowner’s insurance policy will protect you in the event of a terrorist attack.


Typical home insurance policies do not cover “earth movements.” Earthquakes, sinkholes, landslides, tremors, and other erosion are examples of this. Therefore, your property or belongings will not be covered if they are damaged due to these.

Earthquake and sinkhole coverage is usually an add-on to your existing home insurance policy rather than a separate policy.

Expensive Jewelry

Artwork and jewelry, for example, usually require a separate insurance policy. However, these items are excluded from homeowner’s insurance because they have a high replacement cost and target thieves.

According to the Insurance Information Institute, insurance carriers frequently limit jewelry coverage to about $1,500 due to the high risk of theft. 

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To cover your expensive jewelry, you’ll need to purchase a rider, also known as an endorsement. However, your items will need to be appraised first. Another option is to increase your homeowner’s policy’s liability limit.


A sewer backup can happen when there is a lot of rain or melting snow, or a blockage in the sewer lines, causing flooding in the home. 

This can result in severe flooding in a basement or other areas. Depending on the cause of the backup, you may be responsible for the repair costs, or the municipalities may.

Sewer backups can happen for some of the reasons, including:

  • Pipelines that transport both storm water and raw sewage
  • Roots of trees growing
  • Sewer systems that are no longer functional
  • Main sewage lines are clogged.

A sewage backup is typically not covered by homeowners insurance, but a separate flood insurance policy may cover sewage backup. Sewer backup insurance is available as a standalone policy or an endorsement of your homeowner’s policy.

Damage from Remodeling

If you’re remodeling your house, make sure you hire contractors who have adequate insurance and offer a valid warranty. Suppose something goes wrong while contractors are working. In that case, whether they’re replacing cabinets or knocking down a wall, the damage is usually not covered by homeowners’ insurance.

 Even if you discover a problem while or after making repairs yourself, you’re probably not covered. Many homeowner’s insurance policies cover damage caused by “faulty, inadequate, or defective,” which can include errors in design, specifications, craft, repair, construction, renovation, remodeling, grading, or compaction.

Home Business

If you are working from home, you may need a separate business insurance policy to protect your equipment, product, and office space. While standard homeowners insurance may cover up to $2,500 in at-home work equipment (such as computers and printers), this may not be enough to replace all of your office furniture in the event of a disaster.

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Additionally, you may want to consider some standard business insurance policies for additional liability coverage if your company is sued or sealed. This is a must if you have customers who come to your house.


In this article, we discussed the areas that most home insurance companies are not protected and how you can make sure to check the TOS before applying for your coverage. In addition, there are separate insurances that require a small additional cost that can help cover you financially in bad times. 

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