Top 10 Things Homeowners Insurance Doesn’t Cover, When you own a home and pay your homeowners insurance premiums each year, it’s easy to believe your home and belongs are covered under any circumstances.Unfortunately, even all-risk homeowners insurance policies exclude certain events and kinds of loss from policy coverage.
1:Floods caused by acts of nature are typically not covered by standard homeowners insurance policies unless you have a flood insurance rider.
2:When your home is still under construction, your homeowners insurance policy will not cover theft of items from the construction site.
3:If your home is vacant for an extended period, your homeowners policy may not cover vandalism.
4:Mold and fungus issues with the home are not covered when due to your own negligence or neglect of the property.
5:In areas with substantial earth movement activity, damage caused by earthquakes may not be covered unless you have an
earthquake rider or stand alone policy.
6:Some homeowners insurance policies exclude water damage due to sewer backups.
7:During times of war, damage caused from military combat or attacks are often not covered.
8:Homeowners insurance policies will not cover damage to your home or property that arise from your participation in illegal activities.
9:When you run a daycare facility from your home, your home insurance may not cover damage related to your work.
10:Dog owners of certain high-risk breeds may not have coverage in the event their dog bites someone on their property as part of their homeowners policy.