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Here's What Your Home Insurance Won't Cover

by Jan Kennemer 02/17/2019

You are required to get homeowners insurance when you purchase a home. You probably are so excited about buying a home that you neglect to learn the ins and outs of your policy. Unfortunately, there are many things that insurance won’t cover, yet many homeowners think that they are covered under their home insurance policy. Below, you’ll find some things that are often not covered by your home insurance, even though you might think they are. 


Broken Pipes


While your home insurance will cover damage from water in your home (different than flood insurance), the policy probably won’t cover what it takes to fix broken pipes. Your best bet in this area is prevention. You should be sure that your pipes are insulated properly and that there is adequate airflow around the pipes in your cabinets.


Earthquakes


If an earthquake hits, you’re out of luck when it comes to your homeowners insurance policy. You typically need a separate policy to get earthquake coverage. If you live in an area prone to earthquakes, you’ll need to inquire about specific policies to protect your home from this type of natural disaster.


Floods


You’ll also need a separate policy in the event of a flood. Homeowner’s policies do not cover damage or losses caused by flooding. You can get optional coverage and this is highly recommended, especially if you live near a body of water or in an area that’s prone to flooding.


A Sewer Backup


If a sewer backs up, you’ll face some serious damage in your home. Unfortunately, your homeowners policy will not cover this type of damage. The repairs can be hefty. If you wish, you can always add this type of coverage to your policy. 


Only Portions Of Disasters May Be Covered


If a hurricane hits, any damage that has been caused by the wind will be covered by your home insurance policy. If you face flooding, however, and do not have a flood insurance policy, you’ll be out of luck. Without extra coverage, some natural disasters can be a special disaster for you and your wallet. 


Keep Up The Maintenance On Your Home


It’s important to understand what is and isn’t covered by your home insurance policy. When you know how to prepare for different situations, it will make caring for and maintaining your home and your financial future a lot easier. If you prepare accordingly for natural disasters as directed, and perform proper maintenance on your home, your insurance policy should act in the best interest for you. If you happen to live in an area where you are prone to natural disasters, make sure you get the appropriate additional coverage that you’ll need to protect you.

About the Author

Author
Jan Kennemer
Jan will show you how you can live close to Washington, DC – by public transit and/or highway – and still enjoy all the many amenities and friendliness of a quiet community. Jan is a life-long resident of Arlington, Va. So, she is very familiar with northern Virginia …Arlington, Falls Church, Alexandria and close-in Fairfax. She knows where to find those little out-of the-way places where you will still get excellent value and a home that meets your needs. As a Realtor® for over 20 years, Jan has developed a customized system for marketing and selling properties which includes the latest technologies combined with tried and true practices. She has received special training in working with first time buyers, repeat buyers and seniors. She is a certified VHDA trainer and is certified as a Senior Real Estate Specialist (SRES©). Jan is also a certified e-Pro. She gets results you want – the best price in the shortest time. Jan is dedicated to helping clients satisfy their needs and wants while providing them with a strong investment for the future. She is readily available to provide explanations and information. She won’t push you into making an uncomfortable choice. Jan helps you to fully understand the transaction, so that you can always make an informed decision based on facts and figures.