Homeowners insurance protects you against a number of perils, including fires, storms, falling objects, vandalism, and even frozen plumbing—but not every type of hazard is covered. In fact, it is often more helpful to explain what is not covered by a basic home policy so you can take steps to fill the gaps. Below are some common exclusions listed under most insurance policies.

What Is Typically Not Covered by Homeowners Insurance

1. Floods

Most homeowners insurance companies exclude flood damage from their coverage. While they do cover rain, hail, snow, and other falling objects, once the water lands and begins moving over the ground, it is considered a flood and is therefore not covered.

2. Earth Movement

Earth movement includes earthquakes, mudflows, landslides, and sinkholes. However, damage caused by a fire started during an earth movement episode is normally covered.

3. Animal Liability

Most homeowner’s policies exclude liability from a certain breeds of animals which differ from carrier to carrier. 

4. Renters' Belongings

Your homeowners insurance policy likely does not cover a home you own but do not live in. Thus, it does not cover the belongings of any tenants. To protect your financial interests, ask your agent about landlord insurance. Also, suggest or require that your tenants purchase renters insurance to protect their belongings.

To discuss your coverage options and see if you can buy additional coverage for excluded perils or lower your homeowners insurance premium, contact Russell Insurance Agency in Robertsdale, AL. They've been serving businesses and individuals throughout lower Alabama for more than 20 years. They make customer service their number one priority, and they specialize in home, life, business, and auto insurance. Visit their Facebook page to view directions and business hours or call (251) 947-3607 to request a free quote.