Are You Covered?

person rain umbrella

A typical homeowners insurance policy will cover fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism, theft and a large number of perils. However, a standard policy DOES NOT cover flood and earthquake damage.

Here’s a list of what is not included in a standard policy:

  • Earth movement
  • Water
  • Nuclear hazard
  • Neglect or failure to make repairs
  • Corrosion, deterioration, decay or rust
  • Wear and tear
  • Contamination
  • Fungi
  • Increased cost due to enforcement of any building ordinance or law
  • Government actions
  • Power failure
  • Animals or pests
  • War

The best way to find out your coverage is to contact your insurance agent for a complete list of policy exclusions in your state.


Skip to content