9 Kinds of Damage Home Insurance Won’t Cover

Your family bought home insurance to help protect your home. Do you know what your policy does and doesn’t include? Knowing what’s excluded from your policy can help you make informed decisions about your home’s vulnerabilities. Check out this article for common exclusions and where you can find supplementary coverage.

Home insurance is a must-have for homeowners who want to protect their investment, and it’s usually required if you have a mortgage. But having home insurance doesn’t mean you’re covered against all problems that can damage your house or drain your savings.

What is and isn’t covered depends on your policy type. An HO-2 policy, for instance, is a “named-peril” plan that protects you against 16 specific issues, while an HO-3 or HO-5 policy will cover more problems but at a higher cost.

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