While homeowners insurance provides critical protection for your property, it’s not a catch-all solution. Many homeowners are surprised to find out what isn’t covered until it’s too late—after they’ve filed a claim.
Let’s break down what standard home insurance does not cover, so you can protect yourself with the right add-ons or separate policies.
❌ 1. Flood Damage
Flooding caused by rising water—from heavy rain, rivers, or storm surge—is not covered under standard homeowners insurance. To protect against flood damage, you need a separate flood insurance policy, often backed by FEMA’s National Flood Insurance Program (NFIP) or a private flood insurer.
🌧️ Live in a flood-prone area? We can help you get a flood policy tailored to your risk level.
❌ 2. Earthquakes and Ground Movement
Earthquakes, sinkholes, landslides, and other ground shifts are excluded from most home insurance policies. In California, this is especially important to know.
To cover this risk, you’ll need a separate earthquake insurance policy, often available through the California Earthquake Authority (CEA).
❌ 3. Wear and Tear / Maintenance Issues
Insurance is designed for sudden and accidental losses, not ongoing maintenance or damage due to neglect. That means you won’t be covered for:
- Mold from long-term leaks
- Termite or rodent damage
- Old, deteriorating roofs
- Corrosion or gradual plumbing failures
🛠️ Regular upkeep is your responsibility—and insurers expect you to maintain the home in safe, livable condition.
❌ 4. Business Activities
Running a business out of your home? Standard homeowners insurance likely does not cover:
- Business property or inventory
- Liability from clients visiting your home
- Income loss due to business interruption
You’ll need home-based business insurance or a commercial policy to stay protected.
❌ 5. Luxury Items Beyond Policy Limits
Most policies cap coverage for high-value items like:
- Jewelry
- Fine art
- Collectibles
- Firearms
- Musical instruments
To ensure full protection, consider scheduling items or purchasing a personal articles floater.
❌ 6. Certain Dog Breeds or Exotic Pets
Some insurance companies exclude dog breeds they consider “high risk” or deny liability claims related to pet bites or damages. Similarly, exotic pets may not be covered under liability provisions.
🐕 Ask your agent if your pet affects your policy.
❌ 7. Acts of War or Government Seizure
Home insurance does not cover war-related events or property taken by the government through eminent domain or seizure.
🛡️ How to Fill in the Gaps
To get full protection, many homeowners add:
- Flood insurance
- Earthquake insurance
- Scheduled personal property endorsements
- Umbrella liability coverage
- Home-based business riders
At Eugene C. Yates Insurance Agency, we can help you identify your specific risks and build a customized protection plan that leaves no gaps behind.
📞 Get Expert Guidance
Every home is unique—and so are its insurance needs. If you’re unsure what your current policy covers (or doesn’t), let us help.
Contact us today to review your existing policy or get a quote tailored to your home, location, and lifestyle.