Perils Your Home Insurance Probably Doesn’t Cover

By John Scott Team Archive, Personal Comments Off on Perils Your Home Insurance Probably Doesn’t Cover

What your homeowners insurance does not cover

Find out about some of the risks that your homeowners insurance will not protect against.

Your home insurance is a complex beast, and it’s not uncommon for homeowners to misunderstand the coverages offered in their policies.  However, it’s important to understand the limitations of your policy.  You never want to assume that you have coverage when you actually do not.  Here are some of the common perils probably not covered by your home insurance.


It’s important to understand that flood damage is not usually covered in your standard homeowners insurance policy.  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.  In some cases, any type of earth movement will be excluded from your standard home insurance coverage.

Maintenance or Workmanship Issues

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

These are some of the perils that aren’t covered by standard homeowners insurance.  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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