Home insurance is essential for protecting your house and belongings, but many people are surprised to learn that a standard policy does not cover every type of risk. Knowing what is excluded can save you from unexpected expenses and help you plan better protection for your home.

1. Flood damage

Standard home insurance does not include flooding from rising water or storm surge. For this coverage you need a separate flood insurance policy, often backed by the National Flood Insurance Program.

2. Earthquakes

Damage caused by earthquakes, tremors, or ground movement is not covered under most policies. Homeowners in areas with seismic activity usually need to purchase an additional earthquake endorsement or policy.

3. Sewer or drain backups

If water backs up through sewers or drains, the resulting damage is usually excluded. You can add special coverage for water backup to most home insurance policies for an extra layer of protection.

4. Maintenance issues

Home insurance is designed for sudden and accidental losses, not ongoing wear and tear. Problems like roof leaks from old age, pest infestations, or neglect are considered maintenance and are the responsibility of the homeowner.

5. High-value items beyond limits

While home insurance covers personal property, there are limits for jewelry, collectibles, art, and electronics. If you own high-value items, you may need to schedule them separately to make sure they are fully protected.

The takeaway

Home insurance provides important coverage, but it is not all-inclusive. Flooding, earthquakes, sewer backups, maintenance issues, and high-value belongings are some of the most common gaps. An independent insurance agent can review your policy and recommend affordable ways to close these gaps, giving you peace of mind that your home and valuables are fully protected.