When it comes to homeowners insurance, most people think, “I’m covered for everything.” However, that’s not always the case. While homeowners insurance is essential for protecting your property and belongings, there are some key areas it doesn’t cover unless you have additional endorsements or policies. At Esch Insurance Agency, we believe in helping our clients understand their coverage so there are no surprises when you need it most.

Here are 7 things your homeowners insurance likely doesn’t cover:

1. Flood Damage

Flooding caused by rising water or storm surges isn’t covered under standard homeowners insurance. To protect against floods, you’ll need a separate flood insurance policy. If you live in an area prone to flooding, this coverage is a must.

2. Earthquake Damage

Think earthquakes are only a concern in California? Think again. Earthquakes can happen in many parts of the country, and damage from these events is excluded from standard policies. You’ll need a special earthquake endorsement or separate insurance.

3. Sewer Backups

A backed-up sewer or drain can cause significant damage, but it’s typically not covered unless you add a sewer backup endorsement. This is an inexpensive add-on that can save you thousands in cleanup costs.

4. High-Value Jewelry, Art, and Collectibles

While homeowners insurance offers some coverage for personal belongings, high-value items like engagement rings, rare art, or collectibles may exceed the policy’s limits. A personal property endorsement or floater is necessary to fully protect these valuable items.

5. Home-Based Businesses

If you run a business out of your home, your equipment and liability won’t be covered by your homeowners policy. You’ll need separate business insurance or a home business endorsement.

6. Wear and Tear or Neglect

Insurance doesn’t cover damages caused by routine wear and tear or lack of maintenance. For example, if your roof leaks due to age and poor upkeep, the repairs likely won’t be reimbursed. Keeping up with maintenance is key to avoiding unexpected expenses.

7. Acts of War or Government Seizure

While rare, damage caused by acts of war or government actions isn’t covered under homeowners insurance. These exclusions are standard across most policies.

How Can You Be Sure You’re Covered?

The best way to ensure your home is fully protected is to review your policy with an expert. At Esch Insurance Agency, we can help you understand your coverage, identify gaps, and recommend any additional endorsements or policies to fit your needs.

Get Peace of Mind Today

If you’re unsure about what’s covered (and what isn’t) under your homeowners insurance, don’t wait until it’s too late. Contact Esch Insurance Agency today for a personalized policy review.

When it comes to protecting your home, knowledge is power. With the right coverage, you can feel confident that you’re prepared for whatever comes your way.