Which Area Is Not Protected by Most Homeowners Insurance? (2024)

FAQs

Which Area Is Not Protected by Most Homeowners Insurance? ›

Homeowners insurance doesn't cover floods, earthquakes, typical wear and tear, and damage due to insufficient maintenance. You can usually add flood and earthquake coverage to your policy for an additional fee, but wear and tear and damage from a lack of maintenance are considered preventable.

Homeowners insurance doesn't cover floods, earthquakes, typical wear and tear, and damage due to insufficient maintenance. You can usually add flood and earthquake coverage to your policy for an additional fee, but wear and tear and damage from a lack of maintenance are considered preventable.

The area that is not protected by most homeowners insurance is "Your view". Homeowner's insurance policies usually protect the home, personal property, loss of use, and liability. However, they don't cover anything that is related to the view of the house such as changes in view or damages to the view.

Damage or destruction due to vandalism, fire and certain natural disasters are all usually covered. So is your liability if someone is injured on your property. Certain catastrophes, like flooding or earthquakes, are generally not covered by basic homeowners policies and require specialized insurance.

Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear.

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won't be covered.

The Bottom Line

Homeowners insurance provides financial protection against damage to your home and belongings caused by covered events like fires, theft, and storms.

Personal property coverage, which is Coverage C within home insurance policies, helps to pay for your personal items that have been damaged, destroyed or stolen due to a covered peril. It's standard protection within many home insurance policies and is pivotal to cover those personal items that mean the most to you.

In general, Coverage A covers damage to the dwelling or house. Coverage B covers damage to other structures, such as a detached garage, work sheds, etc. And if you missed it, we're talking about homeowners insurance policies here.

Which one of the following should not be covered by your homeowner's insurance? ›

The correct answer is "d. floods" because typically, floods are not covered by a standard homeowner's insurance policy. 1. Flood insurance is a separate policy that homeowners need to purchase if they want coverage for damages caused by flooding.

Although your homeowners policy covers many people, there is one group who generally isn't covered--tenants. To protect their belongings in case your home is damaged, renters will need to get a separate renters insurance policy.

Generally, a homeowners insurance policy includes at least six different coverage parts. The names of the parts may vary by insurance company, but they typically are referred to as Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverages.

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

Loss of use coverage is typically built into your homeowner's insurance policy. While there are limits to what and how much your insurance provider will reimburse you for, the below items are usually covered to help you maintain your current standard of living: Temporary residence such as a hotel, motel or apartment.

Homeowners insurance will usually cover damage to the dwelling and personal property. A resulting explosion or fire should also be covered. Earth movement, landslide, tremors, mudslide or earthquake caused by a volcano is not usually covered under homeowners insurance.