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What does homeowners insurance NOT cover?

Trust us, at Cushman Insurance we understand accidents and unexpected incidents pop up every day, especially in a home. We are here to make sure you are prepared for whatever life throws your way and to help explain your current policy.

A typical homeowners insurance policy will cover perils such as:

  • Fire

  • Smoke

  • Theft

  • Lightning

  • Windstorm

  • Hail

Here are a few things that will likely not be covered by a standard homeowners policy:

Earthquake and Water Damage

Certainly, earthquakes don’t occur with the frequency or severity experienced in the West Coast. But even a moderate quake can cause damage to your home. So it’s important to understand that your homeowners insurance does not cover damage to your home or personal property from earthquakes.

Water damage, caused by flooding or from a sump pump or drain, is also not included in a standard homeowners insurance policy. Talk to your local agent about purchasing flood insurance or adding a separate endorsement.

Home Based Business

If you are running a business out of your home, chances are you need additional coverage. Your homeowners insurance may provide coverage for business property stored in your home, but likely not enough to cover it all. You worked hard to build your business, let us help you protect it.

Roof and Gutter Neglect

By not taking the time to clean out your gutters and maintaining your roof, you are increasing your risk of ice dams, vermin, and corrosion. All of which are not covered by your homeowners insurance if it was found to be caused by neglect.


Whether your homeowners insurance covers mold depends on what caused the damage to begin with. If mold develops from a hurricane, ice storm, or a malfunction in your home – such as a pipe bursting – your homeowners policy may cover it. However, if it was caused by negligence or a lack of upkeep chances are it is your responsibility to cover the cost.

Animal + Rodent Damage

Home damage caused by rats, mice, and even pets are not covered by your homeowners insurance policy. Why? This is because it is a preventable loss – something that could have been avoided with proper maintenance. As a homeowner, it is so important to stay on top of a rodent infestation. Not only may it affect your health, it also can be a major safety concern. Chewed up wires can easily start a house fire.

Your friends at Cushman Insurance have partnered with many of the top insurance carriers to give you access to the best insurance options for your home. Contact your local independent Cushman Insurance agent today to learn more about how you can live more and worry less.



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