11/17/2016 15 

Things Homeowners Insurance Doesn’t Cover

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TUESDAY, APRIL 12, 2016 Blog Archive

15 Things Homeowners Insurance Doesn’t Cover 2016
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15 Things Homeowners Insurance Doesn’t Cover

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affordable business
insurance plano texas (2)
general liability insurance
plano (2)
home insurance facts (2)
business insurance
Property Coverage Exclusions plano (2)
1)  Earthquakes, Sinkholes & Other Movements of the Earth—Damages from
home insurance plano
earthquakes are not covered by most home insurance policies but can be tx (2)
provided as an addendum in all states except California. In California, distracted driving factors (1)
earthquake insurance is handled by the California Earthquake Authority and auto insurance overages explained (1)
insurers must offer to sell their customers a separate policy for earthquake
plano texas home insurance coverage (1)
insurance every other year. Furthermore, fires caused by earthquakes whether or
plano home insurance (1) renters insurance (1)
not you have earthquake insurance are covered under your standard policy.
home insurance plano (1) health insurance plano tx (1)

facts about home insurance (1) auto insurance facts (1)

2)  Flood & Other Water Damage—While your policy might say that it covers
water damage, not all water damage is created equal. Floods caused by nature, business insurance (1) home windows safety (1)

such as an overflowing river, are not covered. You would need flood auto insurance quote (1) auto insruance plano (1)

insurance for that. Other water damage refers to overflow or backup from sump driving distraction causes (1) auto insurance quote (1)

pump, sewer system or drains. plano tx home owners insurance (1)

home instance quote tx (1) flood insurance (1)

3)  Windstorms—In some areas of the U.S. such as Northeastern states and Gulf flood insurance estimator (1) dallas health insurance (1)
Coast states where windstorms are common, purchasing separate coverage is auto insurance texas (1) texas renters insurance (1)
necessary because it may not be standard policy. credit score on auto insurance (1) home owners insurance (1)

apartment burglary safety tips (1)

4)  Damage caused by war, nuclear hazard or terrorism— Standard home
general liability insurance (1) business insurance plano tx (1)
insurance policies cover for riots, civil unrest and vandalism. However, most
plano auto insurance (1) plano renters insurance (1)
insurance policies of any kind tend not to provide coverage for war, terrorism or
auto insruance shop around (1) obamacare plano texas (1)
nuclear hazards.
home safety (1) cheap home insurance plano texas (1)

5)  Trampoline & Treehouse Injuries—Yup, you read that correctly. Trampolines are auto insurance texas (1) plano homeowners insurance (1)

secretly death­traps. According to the Consumer Product Safety Commission, the auto insurance texas (1)

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11/17/2016 15 Things Homeowners Insurance Doesn’t Cover
number of trampoline related­injuries has tripled in the last decade, so most
companies have deemed trampolines, as well as treehouses, too high­risk.

6)  Separate structures on your premises that are used solely for business—When
a home business is or is not covered is not always crystal clear. The best thing you
can do is obtain additional business insurance rather than assume it’s covered
under your home insurance policy.

7)  Jewelry, Fine Art, Rare Collections—Standard coverage for any of these items,

including wedding rings, are up to $1,000. You may want to consider acquiring a
separate luxury home insurance policy.

8)  Boat Theft—If your boat or other water vehicle with less than 25 horsepower is
stolen from your home, it’s covered. If it’s stolen elsewhere, it’s not.

9)  Food—In case you’ve ever wondered, when food spoils in the event of a
power outage or because your home loses power due to another peril, the loss of
food is not covered.

10)  Death or Injuries from Pools—Most policies will cover your pool—or you’ll just
have to pay a bit more for coverage—as long as certain safety measures (e.g. a
fence of a certain height around the pool) are in place. Having a diving board or
a slide may cause your coverage to be denied.

11)  Trees, plants or shrubs are not covered when they are damaged by wind or
disease.—Your home insurance policy covers landscaping worth 5% of your policy
value or $500 per item. Named perils such as theft, fire and even falling aircraft
that damage your home also extend to your landscaping. Wind and disease are
thus excluded.

12)  Damage due to neglect and failure to maintain the property—This includes:
termite and insect damage, bird or rodent damage, rot or mold, general wear
and tear, damage caused by smog, smoke, or other industrial and agricultural
waste or damage caused by hidden defects and mechanical breakdown.

Personal Liability Exclusions

13)   Defamation of Character—Personal liability is meant to provide coverage
when you are found legally responsible for injury to someone else. It doesn’t cover
lawsuits involving defamation of character or slander  because they are usually
deemed intentional acts. You can take out an umbrella policy or sign a personal
injury endorsement on top of your home insurance policy; the latter only provides
coverage if your act of slander is deemed unintentional.

14)  Expenses due to identity theft—This is actually a rather recent inclusion in

personal liability coverage, due to the rise in identity theft crimes. Some insurers
may cover expenses due to identity theft, but not all have made it standard in
their policies.

15)  Aggressive Dog Attacks (to others)—Most policies will cover your dog, if it isn’t
considered an aggressive or “high­risk” breed. The list of high­risk dogs varies from
company to company and even year to year, so be sure to ask your insurance
company.

Posted 4:18 PM  View Comments

Tags: plano homeowners insurance, plano home insurance, plano texas home insurance coverage,
facts about home insurance, home insurance facts

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11/17/2016 15 Things Homeowners Insurance Doesn’t Cover
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1 Comments
Kathy said...
Like all the points showing what grandma can contribute is important is good idea. Just like
contributions of others
THURSDAY, JUNE 23 2016 12:42 AM

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