Common Home Insurance Exclusions That Most Homeowners Don’t Realize Exist 

One important part of homeownership is understanding what your home insurance may and may not cover. Clarion Pacific Ins Services can help you identify potential gaps that may affect your property.

Natural Disasters: Earthquakes and Floods

California homeowners policies generally exclude earthquake and flood damage. Without separate coverage or endorsements, damage from earth movement or rising water may not be covered. Additional catastrophe coverage may be worth considering based on local risks and property-specific factors.

Maintenance Issues and Wear and Tear

Standard homeowners policies may not cover gradual damage or neglected upkeep, including the following:

• Termite or insect infestations
• Rust, corrosion and wear and tear
• Mold not caused by a covered peril
• Slow or long-term leaks

Sewer Backups and Ordinance Changes

Sewer and drain backups are commonly excluded from standard homeowners policies. This may include water backing up through floor drains or toilets, as well as overflow from a sump pump or drainage system. Rebuilding after a covered loss can also trigger code-required upgrades, and without an ordinance or law endorsement, those additional costs may fall on the homeowner.

Home-Based Business and High-Value Items

Business equipment, inventory and liability from a home-based business are often excluded or limited under a standard homeowners policy. The same may apply to high-value belongings such as jewelry or collectibles. Additional endorsements can help ensure those items and activities are adequately covered.

Dog Bites and Animal Liability

Homeowners liability coverage does not always extend to injuries caused by pets. Some policies exclude certain dog breeds or place limits on animal-related claims. Homeowners with pets can check whether their policy includes animal liability coverage or requires a separate endorsement.

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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.