What's In Your Policy? 4 Surprising Things That Your Policy Might Not Cover

Basic homeowners insurance policies cover a multitude of unexpected costs associated with property damage, accidents, living expenses and medical costs. However, policies usually do not cover everything under the sun.

While you might be aware that your policy won't cover flood and earthquake damage unless you purchase extra coverage, you might not realize that it won't cover other things, such as a dog bite injury if a dog from a restricted breed is at fault. Following are four surprising things your policy might not cover.

Mold Issues

If you have to remove mold from your home after a water leak or burst pipe, the costs associated with the removal will likely be covered. However, if mold starts growing in your home because you've ignored maintenance issues, such as a damp basement, it might not. What's more, there are usually limits on how much your policy will cover when it comes to mold remediation. The cost for mold remediation costs anywhere from $500 to $6000, depending on the extent of the damage. 

Sewer Backups

Damages caused by a backed up sewage line are usually not covered under a basic homeowner's insurance policy. While the policy might pay for emergency housing after a backup, it will likely not pay to clean and restore your home unless you've purchased additional coverage. 


Some states, such as Florida, require that insurance companies supply sinkhole coverage. However, many states do not have this requirement. If you live in a state that doesn't require coverage, you may not be covered if your home falls into the ground after a geological event. 


It is often your responsibility as a homeowner to keep your home free of pests, such as termites. If you fail to do so, the damage they cause might not be covered under your insurance policy. Considering that termite damage may cost you up to $3,000 or more, depending on the severity of the infestation, you owe it to yourself to make sure your home is always free of pests.

Since insurance policies vary, it's important that you read yours carefully to see what's covered and what is not. If you find gaps in your coverage, you may want to think about purchasing additional insurance or requesting that these items be covered under your current policy. Talk to your insurance agent to learn more about how you can protect your home in all circumstances.