Aug 10 2017

If you are like most homeowners, you haven't read your homeowners insurance policy cover to cover. Obviously because it's very boring and you have better things to do ... like cleaning out your junk drawer, reorganizing your closet so your clothes are in order by color, or creating a spreadsheet of all things you would rather be doing than reading your homeowners policy cover to cover. Am I right? Well lucky for you, we've compiled a list of 5 items that typically aren't covered!



On almost every homeowners policy, flood damage or other loss caused by flooding are not covered. Only if you are located in a flood zone is flood insurance required by your lender and if you don't have a mortgage, it's likely even if you are in a flood zone that you don't carry flood insurance!

Expensive Jewelry & Personal Property

Many policies will cover your personal belongings up to $1,000. Anything that is valued above that you will need to procure a separate rider to cover the rest of your items.


A standard policy typically will either limit coverage for damage caused by mold or completely exclude it! You may be able to add an endorsement to expand coverage but it comes at a cost.

Sewer backups

As our sewer lines grow older, sewage backups have become more frequent. Older pipes aren't able to handle the amount of storm water we've seen recently. Additionally, pipes can become blocked with tree roots that work their way into small cracks or joints in the piping. Consider an extra rider for sewer backups if you're at all worried about the risk.


Many policies don't cover trampolines, and many companies will cancel or issue a non-renewal if they find out you have one! If a homeowner is sued as a result of injury involving the trampoline, the insurance company would not cover these costs.