Perils Your Home Insurance Probably Doesn’t Cover

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What your homeowners insurance does not cover

Your home insurance is a complex beast, and it’s not uncommon for homeowners to misunderstand the coverage offered in their policy.  However, it’s important to understand the limitations of your policy.  There are perils your home insurance probably doesn’t cover that you should know about.You never want to assume that you have coverage when you actually do not.

Perils your home insurance probably doesn’t cover include:


To protect against flood, you will need a separate flood-specific policy.  Another issue that homeowners might have is deciding what constitutes a flood.  While many people think of floods, as huge, catastrophic events, even a slight incident including rising water might be considered a flood.  To figure out your policy’s limits, you should figure out how your insurer defines a flood.


Much like floods, your standard homeowners insurance does not include coverage for earthquakes.  If you want to protect against the damage or losses stemming from an earthquake, you will need specialty earthquake insurance.  Again, you need to understand how your insurer defines an earthquake.

Maintenance or Workmanship Issues

The point of your home insurance is to protect against the damages or losses caused by unexpected or uncontrollable events, not negligence or poor workmanship. Remember, your homeowners insurance is not a home maintenance or home warranty policy, it is for emergency situations only.

Do you have more questions about your home insurance?  Don’t hesitate to contact us at John Scott Insurance.  Our dedicated team is ready to assist you with all your insurance needs.

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