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A typical homeowners’ policy covers the structure of your home, your personal belongings, liability protection, and additional living expenses.  However, misconceptions about homeowners’ insurance coverage can leave you inadequately protected. To help you better understand your coverage, this article clarifies what is not covered under a standard homeowners’ policy:

  • Flooding is not included in your homeowners’ insurance. If you live in a high-risk flood zone, you do not want to be without adequate coverage. Even a rainstorm can cause basement flooding, which can significantly damage your home, requiring costly repairs. Go to to determine your home’s flood risk and speak to your insurance agent about flood insurance coverage.
  • Earthquakes also are not covered under a standard homeowners’ policy. Earthquake coverage can be added as an endorsement to your homeowners’ policy. Earthquake insurance will cover major losses but often has significant deductibles.
  • Mold, termites, and other infestations are not covered under homeowners’ insurance. However, you can minimize your risk by using air conditioners and dehumidifiers to keep the humidity level in your home between 30 and 60 percent. You may also want to consider putting exhaust fans in the kitchens and bathrooms, and we recommend that you avoid installing carpet in damp areas.
  • You can expect to see limitations in theft coverage for jewelry, furs, silverware, guns, and money. If you have any of these special items, you’ll want to consider adding an endorsement or floater to your policy.

If you have any questions regarding homeowners’ insurance please contact Soucy Insurance at 401.762.2218.


Post Author: Soucy