What Your Homeowner's Insurance May Not Cover

People rarely think about their homeowner's insurance except in rare occasions where they actually need to file a claim. Not thinking about your insurance plan and maybe not even knowing what is covered under it are probably both not very good things. Before a disaster strikes it might be a good idea to pull out your insurance and make sure that certain things are covered under your plan.

Because of a hue increase in mold and water damages claims that were being made a couple of years ago, many insurers were able to take that out of their insurance plans completely. Although you may find yourself with broken pipes and mold to top it off, your homeowner's insurance plan may not cover the damages. Be sure to check with your insurer about mold and water damage coverage.

After the terrorist attacks of 9/11, many insurance companies are specifically excluding home damages that resulted from terrorist attacks. If your house is damaged or burned down during a riot or civil commotion, you will be covered. However, if it is damaged by the explosion of a nuclear power plant or terrorist attack, you are more than likely not covered. Be sure to check with your insurer about their war, nuclear accidents and terrorism coverage.


By simply owning a large toothed dog, you may not be eligible or insurance that covers damages made by the animal. When you tell an insurance agency that you own a pit bull or a German Sheppard, you may have to try to talk them down on price if you can even get insured for those damages at all. Many insurance agencies will not insure you for animal damages simply because large dogs like that are likely to cause damage.

Intentional damage coverage is another thing that may be absent on your insurance plan. Most of the time an insurer will cover you if an ex or friend sets fire to your home, but most will not cover you if your child intentionally sets fire to your home. Although the child of relative living at your home is technically covered under your insurance, most agencies will not cover them if they intentionally do damage to the home. If this is something that may come up as an issue, be sure to check with your insurer to see if you can get this put on your plan.

article by : Art Gib