Home Insurance: What It Really Covers (and What It Doesn’t)

Many homeowners believe their insurance covers “everything,” but that’s a costly misconception. Understanding what’s included—and what isn’t—can protect your home and your budget.

What’s usually covered:

• Fire and smoke damage
• Theft and vandalism
• Liability for injuries that happen on your property
• Some types of water damage (like a burst pipe)

What’s not typically covered:

• Floods and earthquakes (these require separate policies)
• Normal wear and tear
• Pest infestations (like termites or rodents)
• Damage from neglect, such as failing to maintain the property

Reviewing your policy regularly is key. Life changes—like home renovations, buying expensive electronics, or even adopting a pet—can all affect the type of coverage you need.

Protect your home with confidence. Talk to our team today and get the coverage that fits your lifestyle.