Two Major Claims That Aren’t Covered by Homeowners Insurance

Owning a home is a rite of passage for many adults in their 20s and 30s. But while owning a home can be a wonderful experience, and even an investment, it can also generate a great deal of expenses. From mortgages to repairs and homeowners insurance costs, there are many things that you could have to spend money on even after you already own the home. Homeowners insurance claims aren’t getting any cheaper as the years go on.

Looking at current statistics, US homeownership sits at a steady 64.2 percent, with the average insurance premium costing a little over $1,100.

While many think they are adequately covered by their current policy, that coverage doesn’t count for exposures such as floods and earthquakes. Although water damage is known as one of the costliest expenses a homeowner can face, most standard homeowners policies will not offer any financial protection from these costs.

Many first time homeowners might not be aware of what their insurance covers and what it doesn’t. Here’s a look at some of the biggest claims that aren’t covered by homeowners insurance, and how you can stay protected.


While homeowners insurance coverage will protect you from the water damage that happens inside your home (things like plumbing issues and leaking appliances), this isn’t the same for water caused by weather, coming from outside the home. And while weather-related damages can occasionally be less costly, according to Insurance Journal, natural disasters are just another monster to be tackled. For those living in flood zones or on the coast, foregoing flood coverage could be a costly mistake.

Flash floods and sewer backups are generally not going to be covered by a general policy, which means extra coverage is essential. But if you live in an area prone to flooding, it’s possible to add on flood coverage to your original policy.

When it comes to flood coverage, you don’t have to just insure the basic outline (your floors, cabinets, and other basics). You can also insure curtains, microwaves, furniture and other high-value items like art.


Much like flooding, earthquake damage is also not covered under a standard policy . This kind of natural disaster is incredibly destructive when it happens. For places like California, many become complacent because a big earthquake hasn’t happened since 1994. But research shows that scientists are sure that a big one is coming, meaning Californians need to be prepared for it.

However, the West Coast isn’t the only place that gets earthquakes. So does the East Coast. Even New Jersey is no stranger to trembles every so often. Having a bug-out bag only does so much. What about your home if it is reduced to ruins? We recommend looking into earthquake coverage separately as an add-on to your homeowners insurance policy.

When your home needs structural repairs, having earthquake coverage is essential for rebuilding the property. Once you hit your deductible, everything else is covered. If you aren’t sure about earthquake coverage, take a few moments to consider where you live. If you live in an earthquake prone state, there’s the first sign you should get coverage.

At David G. Sayles Insurance Services, we offer Flood & Earthquake Insurance as a way for homeowners to close up the gaps in their coverage.

About David G. Sayles Insurance Services

At David G. Sayles Insurance Services, we strive to protect the investments of homeowners like you. Our comprehensive policies are customized for you to provide the exact coverage you need. For more information, contact us today at (800) 439-0292.