Homeowners insurance: What's NOT covered

Homeowners insurance: What's NOT covered

People often assume that homeowners insurance is a catch-all, covering virtually any event.

Not true, unfortunately. There are many things that a typical homeowners policy does NOT cover. Among them:
  • floods
  • earthquakes
  • breaks in a water line leading to your home
  • termites
  • stolen pets
  • damaged or stolen cars, boats and motorcycles (these would typically be covered, however, by your car/boat/etc. insurance)
Also, here's a list of what IS covered by a typical homeowners policy, as well as add-ons you might want to consider.

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