Homeowners insurance is a type of property insurance that protects a person’s home, furniture, and other belongings from losses and damage. Additionally covered by homeowner insurance is liability protection against accidents that may occur on the land or inside the home. However, Flooding, earthquakes, termites, and mold are just a few of the exclusions that aren’t covered by most home insurance policies. Homeowners insurance doesn’t protect your property from everything. However, there are other coverage choices you may include in your policy to further enhance your protection, such as flood insurance and water backup coverage.

Some insurance exclusions that are not covered by homeowners insurance:-

  1. Flooding
  2. Earthquakes, landslides, and another ground movement
  3. Termites, rats, and other infestations
  4. Mold
  5. Power surges or outages
  6. Poor maintenance or neglect
  7. Aggressive or dangerous dogs
  8. Home-based businesses
  9. Nuclear hazards
  10. War
  11. Government action
  12. Intentional damage caused by you or any other family member

I have explained below the three perils from above that are not covered in the standard Homeowners Policy.

  1. Earthquakes, landslides, and another ground movement:- Damage from earthquakes, land shock waves or tremors that occur before and after volcanic eruptions, landslides, mudslides, mudflows, subsidence, sinkholes, and any other sinking in or shifting of the earth are all considered forms of ground movement.
  2. Flooding:- Natural flooding, rain, sewage line or sump pump backups, as well as water that seeps up from the ground and damages the foundation of your house are not covered by homeowner’s insurance. However, water damage brought on by burst pipes or a broken water heater would be covered. Similarly, you would probably be covered for repairs if any sort of excluded water damage resulted directly in a house fire or explosion.
  3. Government action, War:- Homeowners insurance does not cover the cost of replacing your home or your possessions if they are damaged or destroyed by a public or governmental authority.