9 Surprising Things Your Homeowners Insurance Doesn’t Cover

Homeowner’s insurance policies can be very deceiving. Never fall into its trap by not reading the policies without verifying it. If you are the kind of person who does not usually read the entire homeowners insurance policy, the probability of you believing that you are fully protected against any form of hazard, danger, and problem when it comes to your home is high. Insurance policies make you feel secure and problem free, when in truth and in fact, you are not because there are many things that are specifically excluded from the terms, conditions, and other policies. People who are knowledgeable on this kind of insurance policy or have experienced being a member of it, know that water damage and other damage due to flooding is not covered by the policies.


If you are already a beneficiary or a member of a homeowner’s insurance policy, make sure that the 9 things enumerated below are covered by the policy. If not, it should be better to get riders or special endorsements in order to see to it that you will attain additional coverage.




Few people know that dogs which are risky and aggressive are not covered by most insurance company. If you have dogs like Akitas, Pit Bull Terriers, Rottweilers, Chow Chows, and Doberman Pinschers, it is advisable that you get additional insurance.


Jewelries And Other Expansive Personal Property


This type of insurance policy normally covers personal properties only up to $1,000. Hence, if your property is of value more than $1,000, you will definitely need a special endorsement and a separate rider.


Home Business


Businesses which are operated the premises of you are not covered by the insurance. Also, the business conducted on a separate structure than that of your house is not covered.




One of the most irritating problems in a home is the presence of termites. It inflicts a big threat to every individual’s household. When it comes to homeowners insurance policies, one should never assume that termites are covered by the policy. The reason for this is that most companies engaged in homeowners insurance companies consider termites, cockroaches, and other pests to be inevitable, if not preventable. It is always important that homeowners should pay attention to the moisture and environment surrounding their homes. It is also advisable that wood piles and plants be placed in a distance far from the house.




Most pool-related policies are not covered by your liability insurance. If it is covered, insurance is probably not high enough to cover the pool related injuries because homeowners insurance policy normally covers $100,000 for the said liability. Thus, if you have a pool, it is best to consider additional protection. You can consider Insurance Information Institute because it can recommend a liability insurance ranging from $300,000 up to $500,000.


Tree Houses


Homeowner’s insurance companies normally put tree houses, trampolines, and the like in the category which is “high-risk”. Thus, before constructing a club house in that old and strong oak tree.




Trees which are damaged due to the wind are not covered by some of the homeowner’s insurance policies. The only instance when a tree is knocked down and it is covered by the policy is when it is due to a storm, the repairs of which are covered. Generally, homeowners insurance is covered when it is caused by lightning, fire, car crashes, and theft.




In homeowners insurance policies, damage due to volcanic eruptions are normally covered by the policy, with earthquakes as an exception. Aside from earthquakes, mudslides, landslides, and earth tremors are also not covered by insurance policies. If your house is located in an earthquake-prone area, it is best that you consider becoming a member of additional earthquake insurance.




Damage due to war, nuclear dangers, and terrorism are not covered by the policy. But, damage due to vandalism, riots, and civil unrest are sometimes within the coverage of the homeowner’s insurance policy.



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