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Unveiling the Gaps: What Home Insurance Doesn't Cover

Disclaimer: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.


Vehicle driving on snow covered roads in winter

When it comes to owning a home, having homeowners insurance is a must. Home insurance allows you to protect your home against unexpected disasters and accidents, offering a peace of mind. However, understanding that not all risks are covered under a typical home insurance policy is essential. Below are disasters and accidents that home insurance doesn’t typically cover, so that you can protect your most valuable asset.


Flood Damage


A common misconception is that flood damage is covered under home insurance. But in reality, standard insurance policies typically exclude flood coverage. Geographical areas that are prone to floods usually need to purchase separate flood insurance. According to the Federal Emergency Management Agency, between 1996 and 2019, 99% of counties in the United States experienced at least one flood. Do you research on finding the best flood policy or add-on to your personal home insurance to get covered. If your current insurer doesn’t offer flood insurance, look into the National Flood Insurance Program (NFIP).


Earthquake Damage


Similarly to floods, earthquakes aren’t usually covered by standard homeowners policies. An exception to coverage is if an earthquake strikes and sparks a fire, leading to your house being burned down.Earthquake insurance covers your dwelling, other structures, personal property, and other additional expenses. The West Coast is where most of the earthquakes occur in the United States and only 28% of homeowners in that area have earthquake coverage. Like floods, you can purchase a separate earthquake insurance policy in order to mitigate the financial risks that are associated with earthquake damage. 



Inadequate Snow Removal Practices


Improper snow removal can turn your winter wonderland into a safety hazard. Shoveling pathways, driveways, and sidewalks should be a routine task. Failing to do so not only poses risks to residents but may also result in legal liabilities for property owners.


Ignoring Roof Maintenance


Winter's heavy snowfall can take a toll on roofs. Ignoring roof maintenance can lead to leaks, structural damage, and expensive repairs. Regularly inspect your roof and address any issues promptly to avoid more significant problems down the line.


Frozen Pipes: A Nightmare for Property Owners


Frozen pipes are a common woe during winter. The damage caused by frozen pipes can be catastrophic, resulting in water leaks and costly repairs. Learn how to prevent frozen pipes by insulating exposed pipes and keeping the property adequately heated. Preparing your plumbing and heating systems for winter is essential. Insulate pipes, service your heating system, and consider installing a programmable thermostat. These steps not only enhance energy efficiency but also prevent potential breakdowns during the coldest months.


Failure to Prepare


Save on energy costs by adopting energy-efficient practices during winter. Seal drafts, use heavy curtains, and consider upgrading to energy-efficient appliances. These measures not only contribute to cost savings but also reduce your carbon footprint.


Preparation and Proactive Measures


First-time winter property owners may find the season particularly challenging. Invest time in learning about winter maintenance, seek advice from experienced property owners, and stay proactive in addressing potential issues. Create an emergency preparedness plan that includes contact information for service providers, neighbors, and a checklist of essential supplies. Being proactive can minimize the impact of unforeseen events. Winter can be enjoyable with proper preparation. 


Emergencies Happen: Navigating Personal Insurance


Winter weather can bring unforeseen challenges, from ice storms to burst pipes. Reviewing and understanding your property insurance policy is crucial. We recommend sitting down with your insurance agent to ensure your coverage adequately protects against winter-related damages, giving you peace of mind in case of unexpected events. Winter emergencies, such as power outages or heating failures, can happen when least expected.


Property ownership demands proactive measures to avoid common mistakes. From insulation to emergency preparedness, addressing these aspects ensures a smooth and worry-free winter season for property owners. Stay vigilant, invest in proper maintenance, talk to your insurance agent, and enjoy the beauty of winter without the stress of unexpected issues.



Need help? Contact the team at Northern Insuring Agency. Our professionals can help you figure out which personal insurance policy will be the best option to help you keep up with the ever-changing world we live in.


Get in touch today for a quote! Northern Insuring will simplify the complicated...for insurance.


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