What Is Excluded From a Standard Homeowners Policy 

Understanding what your homeowners insurance covers is essential, but it’s just as important to know what isn’t included. At You Choose Insurance, we help homeowners navigate their coverage options so they can make informed decisions about their policy. Here, we’ll outline some of the most common exclusions found in standard homeowners insurance policies and explain why you may want to consider additional coverage.

Common Exclusions in Standard Homeowners Insurance

While a standard policy offers broad coverage for your home and belongings, there are several situations and types of damage that are typically not covered, including:

• Flood damage: Standard policies do not cover damage caused by flooding. When heavy rains and rising bodies of water pose risks, separate flood insurance may be necessary.
• Earthquake damage: Earthquakes are another common exclusion. Given the Pacific Coast’s risk for seismic activity, homeowners in the region may want to explore earthquake coverage through separate policies or endorsements.
• Wear and tear: Damage resulting from normal aging, lack of maintenance or gradual deterioration is not typically covered.
• Sewer backup: Losses caused by sewer or drain backups are generally excluded, though you may be able to add this coverage through an endorsement.
• Mold and pest infestations: Damage from mold, termites, rodents and other pests is typically not included in a standard policy.
• Certain personal property: High-value items like jewelry, art or collectibles may have limited coverage unless you schedule them separately.
• Business activities: If you run a business from your home, losses related to business property or liability may not be covered without additional endorsements or policies.

Why These Exclusions Matter

Understanding these exclusions helps you identify and address potential coverage gaps. Conversely, failing to account for the limitations of a standard homeowners insurance policy might leave you facing unexpected and exorbitant out-of-pocket costs. Our team can help you assess your needs and recommend solutions so that you’re fully protected.

Get the Right Solution for Your Home

At You Choose Insurance, we’re committed to helping our clients understand their homeowners insurance and make confident choices. If you have questions about your policy’s exclusions or want to explore additional coverage, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.