What does a typical homeowners insurance policy not cover?

A typical homeowners insurance policy generally does not cover the following:

1. Flood Damage: Flooding typically requires separate flood insurance.
2. Earthquake Damage: This often requires a separate policy or endorsement.
3. Maintenance Issues: Damage from lack of maintenance, such as mold or pest infestations, isn’t covered.
4. Sewer Backup: This often requires additional coverage.
5. Wear and Tear: Normal wear and tear is not covered; insurance covers sudden and accidental damage.
6. High-Value Items: Expensive items like jewelry, art, or collectibles may require additional coverage.
7. Negligence: Damage resulting from negligent actions can be excluded.
8. Business Activities: Damage related to running a business from home may not be covered.
9. Intentional Damage: Any damage caused intentionally by the homeowner is not covered.
10. Certain Pets: Some policies exclude coverage for injuries or damage caused by certain breeds of dogs.

Always check your specific policy for details and exclusions, or give us a call at (425)212-3505.