Homeowners insurance stands between your most valuable asset and a variety of risks, from fire to high winds and even riots. Unfortunately, many homeowners mistakenly believe that their policy covers everything, only to have their claim denied after a coverage. Below are a few perils the standard insurance policy doesn’t include.

4 Things Homeowners Insurance Won’t Cover

1. Property of a Home Business

The standard home insurance policy will compensate you for personal property lost in a covered event, but that protection usually doesn’t extend to business property. If you run a home-based business, you’ll need additional commercial insurance to protect your equipment, inventory, and computers.

2. Burst Water Pipes

If a pipe bursts in our home, your homeowners insurance may help clean up the damage to your walls, floors, and personal possessions. However, your insurer can deny your claim if they determine the pipe burst because of poor maintenance, and most policies won’t pay for the actual pipe repairs.

3. Flooding Rivers & Rising Groundwater

Floods are among the most destructive natural disasters, capable of destroying a home and everything inside. Many homeowners find out too late that the standard home insurance policy excludes flood damage. To protect yourself from flood damage, you’ll need an additional policy.

4. Attacks by Certain Dogs

If your dog bites a neighbor or injures another animal, the liability coverage in your home insurance will typically pay for the damages. However, many insurance companies exempt breeds they consider to be “high risk,” allowing them to deny your claim. If you have a rottweiler, German Shepherd, or pitbull breed, check your policy to ensure your liability coverage includes them.

Since 1901, the Northern Kentucky Home Insurance Company has provided families throughout Campbell, Boone, Kenton, Pendleton, Bracken, and Grant counties with high-quality coverage and service. As a cooperative insurance company, they’re completely owned and managed by the policyholders, so you can be confident they’ll always do what’s right for you. Visit their website for more on what makes this insurer unique. Call (859) 635-2500 to request a free homeowners insurance quote.