Just What Isn’t Covered By My Homeowner’s Insurance?
The terms of your policy determine what is excluded. Exclusions from coverage typically include: flood damage claims, business-related claims, and sewer back-up claims. Damage to you home caused by a flash flood is typically not covered by a standard policy. To be covered for the flash flood, you would need to have purchased separate flood insurance. If you are running a business out of your home and a client of yours is injured while visiting, you policy will typically not cover you. You need to have business coverage to be protected. Likewise, policies don't cover damage from sewage and water backups. You’ll typically need to need to buy special coverage to be protected.
Some homeowner policies also exclude dog bite claims, trampoline accident claims, and firearm accident claims. Some companies have begun to write their policies with specific exclusions for injuries caused by dog bites or specific breed of dog bites. Thus, your coverage may include your fox terrier, but not your pit bull. The increase in trampoline injuries have caused some companies to write exclusions for such injuries caused on your property. Others have excluded injuries due to firearms. Thus, it pays to question your insurance agent and read your policy so that you know what you are getting.
Thomas A. Leggette, J.D., Author:
Consumer Contracts in VirginiaVirginia Continuing Legal Education