What’s Not Covered in a Standard Home Insurance Policy

Homeowners insurance doesn’t cover everything.

​Learn about common exclusions so you’re not caught off guard when it’s time to file a claim.

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What You Don’t Know Could Cost You
Home insurance is designed to protect your most valuable asset—but many homeowners are unaware of its limitations. Knowing what isn’t covered can help you prepare with endorsements or supplemental policies.

Common Exclusions in Standard Policies

• Flooding: Not covered; separate flood insurance required (available through NFIP or private insurers)
• Earthquakes: Usually excluded unless you buy a specific earthquake policy
• Maintenance issues: Mold, rot, or termite damage from poor upkeep
• Sewer backup: Often excluded without a separate endorsement
• High-value items: Jewelry, collectibles, firearms often have low sub-limits
• Home business equipment: Business laptops, supplies, or inventory often need separate coverage

What to Do About It

• Ask your agent about endorsements or riders for valuables
• Consider adding sewer and drain backup protection
• Purchase flood insurance if you’re in a moderate to high-risk area
• Consider equipment breakdown coverage for appliances

Carriers That Offer Customization

• Safeco: Valuable articles endorsement
• Progressive: Optional water backup and personal property riders
• Allstate: Identity theft, green improvement, and musical instrument endorsements

....And More!
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Disclaimer: Each policy is different. Speak with a licensed Corin Insurance agent to understand your coverage and whether you need supplemental protection.