Skip to main content

7 Things Your Homeowners Insurance Policy Doesn’t Cover

Christchurch Earthquake - Avonside House CollapsesYou purchased homeowners insurance to protect your biggest investment – your home. But in some cases, your home is not completely protected by your homeowners insurance policy alone. Your insurance probably doesn’t cover these seven things, but in many cases you can purchase additional coverage to protect yourself.

Damage due to earthquakes, sinkholes, or any “movement of the earth”. In California, separate earthquake insurance is offered through the California Earthquake Authority. Your homeowners insurance policy should offer to sell you a separate earthquake insurance policy every other year. If your home is damaged or destroyed by a fire caused by an earthquake, your regular homeowner insurance policy will apply.

Flood damage. Your homeowners insurance policy may cover some types of water damage, but not if the water comes from a flood. Since the rules can be confusing, talk to your insurance provider for better clarification of your coverage. In most instances, you must purchase separate flood insurance coverage if you want protection from floods.

Separate structures on your property that you use for business. If you run a business out of your home, the rules for coverage of work-related property are murky. Your best bet is to purchase separate business insurance coverage if you want to ensure that your property is fully protected.

Liability for trampoline or treehouse accidents. Most insurance companies consider trampolines andard homeowners insurance policies often exclude them from coverage.

Damage from war or terrorism. If your home is damaged due to vandalism or rioting, your homeowners insurance policy may cover it. But coverage is not extended to acts of war or terrorism.

Food. If your food spoils or is lost due to power outage or natural disaster, your homeowners insurance policy does not cover the cost of replacement.

Liability related to your swimming pool. The rules for coverage are tricky in this case. If you enclose your pool with a fence and slides can increase your risk of loss of coverage. Check with your homeowners insurance provider about their specific parameters regarding swimming pool coverage.