What Exclusions Should You Be Aware of with Homeowners Insurance?

By Compuquotes Team on March 27th, 2008

Homeowners Insurance

When you take out homeowners insurance, you expect to be covered in the event of a multitude of disasters. What many people don't realize is that homeowners insurance policies have a range of exclusions that differ from insurance company to insurance company. When you take out your policy, it is important that you read all the fine print and terms and conditions of your policy, and take out additional coverage if required.

Below are some of the most common exclusions to look for when taking out homeowners insurance.

Nuclear Accidents, Terrorism and War

No matter how many insurance companies you shop around with, these are events that will never be covered by homeowners insurance. Unfortunately, in the event that one of these situations does occur, you will simply have to face the costs without any help from insurance, as there are no 'add on' polices available to cover these circumstances.

Water Damage and Mold

This is a situation that is covered by some insurance companies, but excluded by others. Five years ago, the damage caused by a burst water pipe, and the corresponding mold damage would have been covered. Now, it is important to check whether your policy will cover you in this type of situation.

Natural Disasters

Fire, hurricanes, earthquakes and floods. Everyone hopes that they will never be affected by one of these events, but it is possible that you will be. It's almost impossible to find a homeowners insurance policy that will cover earthquakes and floods. Instead, if you live in an area prone to these types of events, you will need to take out separate coverage to cover these.

If you live in a remote, bushy area, you may find that you're not covered for fire damage in the event of a wildfire. Be sure to check your insurance policy for terms and conditions relating to this type of event to ensure that you are actually covered.

Hurricane coverage also differs from company to company. Some insurance companies will cover damage caused by a hurricane in their standard homeowners insurance policy, while others require you to take out specific hurricane insurance, depending on the area that you live.


As crazy as it sounds, having a dog, and more specifically, a dog considered to be an 'aggressive' breed can exclude you from getting coverage, or raise your premiums by a staggering amount.

If your dog has ever been involved in a biting incident, you are unlikely to find an insurance company that will cover you at all. You can ask that your dog be excluded from the coverage, which means that in the event of any situation involving your dog, you will have to pay the costs yourself.

There are a myriad of other exclusions that can also be found, depending on the insurance company. Make sure that before you take out any insurance policy, you check exactly what your policy covers you for, and take out extra coverage as needed. Don't wait until disaster strikes to find out that you are under insured. Be proactive, and find out now whether you would be covered if something should happen to your home.

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