Understanding Your Homeowners Insurance Coverage: What Is and Isn't Covered

Becky Holiday | Mar 8, 2023 | minute read


What Is and Is Not Covered in Your Homeowners InsuranceHomeowners insurance is a type of property and casualty insurance designed to protect homeowners from losses due to damage or destruction of their home, personal property, and personal liability. The policy typically covers the cost to repair or rebuild the damaged property, as well as any personal belongings inside it.

It can also provide liability coverage if someone is injured on your property. However, there are many things that are not covered by most standard policies, such as floods and earthquakes. Additionally, certain types of damages caused by negligence or intentional acts will not be covered either.

It is important for homeowners to understand what is included in their coverage so they can make an informed decision when selecting a policy. Here are some of the major parts of your homeowner’s insurance.

Common Homeowners Insurance Coverage Types

Dwelling or Property Coverage

Dwelling coverage is the primary form of protection provided by homeowners insurance and covers the physical structure of your home. This includes any buildings on your property, such as a detached garage, tool shed, or gazebo. It can also cover structures attached to the home, like decks or balconies in some cases.

The amount of dwelling coverage you purchase should reflect the cost to rebuild or repair your home after a covered event such as fire, hail, windstorm damage, etc., up to a certain limit stated in the policy. Other Structures Coverage provides additional protections for other components of your property, such as fences or other structures.

Free Guide: Why Low Price Insurance May Not Be The Best

Liability Protection

In addition to protecting the homeowner from property damage, homeowners insurance can also provide protection for third-party liability and medical expenses. This coverage typically applies in cases where a visitor or guest is injured on your property and requires medical attention.

The policy will cover any costs associated with the injury, such as doctor visits or hospital stays. In some home insurance policies, this coverage may extend to injuries that occur away from the residence so long as they are related to activities at the covered residence.

Personal Property Protection

Personal property protection is an important part of any homeowner’s insurance policy. It covers the cost to replace items that are lost, stolen, or damaged due to a covered event, such as fire, theft, or vandalism.

Generally speaking, personal property protection will cover items like furniture and appliances that are considered essential household goods. Some policies may also provide limited coverage for other possessions, such as jewelry or artwork, up to a certain dollar amount stated in the policy.

Additional Living Expenses

Additional living expenses (ALE) coverage is a type of protection included in many homeowners’ insurance policies that can help cover the costs associated with temporary housing, meals, and other miscellaneous expenses when one’s home becomes uninhabitable due to an insured disaster event, such as fire or severe weather-related damage.

Common Homeowners Insurance Exclusions

It’s crucial to be informed of typical home insurance exclusions so you can acquire additional insurance or other means of protection. We examine some of the issues that your home insurance will not resolve. Some of these can be upgraded for an extra fee.

Certain Kinds of Water Damage

Most of the time, a typical homeowners insurance policy does not cover water damage. This includes problems with the sewage system and flood damage. A flood insurance policy can cover flood damage. Coverage for water backup and sump discharge or overflow is typically available as an add-on to your existing homeowners’ insurance policy.

Vehicles, Boats, and Motorcycles

If you own any kind of transportation, like a vehicle or a boat, you will need a separate policy.

What Is and Is Not Covered in Your Homeowners Insurance

Earthquake and Flood

Earth movements such as earthquakes, sinkholes, and other tremors typically are not covered by your normal insurance policy. In every state but California, earthquake insurance can be added as an endorsement (an addendum) for a charge. Mudflow insurance is a distinct policy that must be acquired and is only offered through the government-run National Flood Insurance Program.

Wear and Tear

Insurance does not cover wear and tear to the building or personal property, nor will it replace broken furnaces or worn-out roofs.

Pools, Trampolines, and Aggressive Dog Breeds

These are just a few of the problems that could lead insurance companies to refuse to provide you with coverage. However, some insurance providers provide coverage or coverage choices for swimming pools, trampolines, and violent pets.


Mold is another typical exclusion for homeowners insurance. Because mold is a condition that worsens over time, insurance companies consider it preventable, especially before it poses a threat to the health of your family or your house.


In conclusion, homeowners insurance is a necessary and cost-effective form of protection for most people who own property. It can help cover the costs associated with damage to your home and belongings due to an insured disaster event as well as liability claims resulting from accidents or injuries that occur on your property.

Understanding what types of coverage are included in a policy and any exclusions that may apply is key when shopping for homeowners’ insurance, so make sure you read through all the details carefully before making a decision.

Additionally, be sure to compare different policies from multiple providers in order to get the best value for your money while still enjoying adequate protection.

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Leap | Carpenter | Kemps Insurance Agency Can Help

After family, the roof over your head and the wheels that get you where you’re going are among the more important possessions in your life. Whether you live in a house, condo or mobile home, and whether you drive a car, truck or motorcycle, Leap | Carpenter | Kemps Insurance Agency will get you the policies you need. Contact us today.

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