Is Your Home Protected? What your insurance might not cover

Homeowners insurance is designed to protect you against the high cost of property damage. But just because you have home insurance doesn’t mean you have protection from all disasters and mishaps.

For example, most homeowners insurance doesn’t cover flooding.

Yet flood damage in the U.S. totals each year, leaving some homeowners to face thousands of dollars in uncovered flood damage. (Unless they have a separate flood insurance policy.)

If your policy doesn’t list it, it’s probably not covered. And if you haven’t read the fine print, you might not know if you’re protected!

You can’t protect yourself from everything that could happen. But you can’t assume you’re covered either.

Below, we’ll share some things homeowners insurance usually doesn’t cover. Armed with this information, you can determine if you’re protected or if you need extra insurance.

Things Homeowner’s Insurance Usually Doesn’t Cover

Earthquakes, sinkholes, and landslides

Most homeowner’s policies don’t cover earth movement caused by natural disasters.