When you purchase homeowners insurance, you rely on it to protect your most valuable asset and keep you from facing financial hardship should disaster strike. A standard policy will cover you and your property for a variety of risks; however, it’s also likely to include a number of exclusions you remain vulnerable to. Understanding exactly what is and isn’t covered under your policy is essential for avoiding significant stress and costly out-of-pocket damages. Here are a few types of claims your insurer may not cover. 

What Is Typically Excluded in Standard Homeowners Insurance Policies?

1. Flooding 

Although some parts of the country may be more prone to flooding than others, it’s important for all homeowners to know flood damage is not included in a basic insurance policy. Coverage for floods can be purchased as a separate policy but is only available through the National Flood Insurance Program, which is run by the government. 

2. Earthquakes 

Most homeowners insurance policies won’t provide protection for earthquake damage, especially for those living in areas where the risk is high. If you feel you need this kind of coverage, you can buy a separate policy or add it onto your existing policy as an endorsement. 

3. Certain Dog Breeds 

A standard homeowners insurance policy includes liability coverage, which will help dog owners pay for injuries their pet inflicts on someone else. However, many insurers refuse to cover dog breeds that are deemed dangerous or are known to be aggressive, such as pit bulls, Rottweilers, German shepherds, chow chows, and Doberman pinschers. 

4. Sewer Backups 

Sewage may back up into your home because of a blockage in the pipes or sewer line damage. Unfortunately, sewer backups aren’t covered by homeowners insurance no matter the cause. Preventative maintenance is vital, but if you have an older home or use a septic tank, you may also consider adding specialized coverage to your policy. 

5. Termites 

Homeowners insurance usually excludes coverage for termite damage. Insurers tend to view infestations as a home maintenance matter and consider it up to the homeowner to pay for pest control services or repairs. Thus, it’s crucial to have regular inspections performed by a licensed exterminator.

If you have any questions about what your homeowners insurance covers, speak with an experienced agent as soon as possible. The professionals at Integrity Insurance Solutions will carefully review your current policy to determine whether you’re adequately protected and advise you on any modifications they believe is necessary. Over the last decade, they have provided numerous San Marcos, TX, residents with high-quality coverage at affordable rates. Call (512) 396-2211 to schedule a meeting or visit their website for more information on the services they offer.