Homeowners insurance policies typically include coverage for a wide range of perils and events that can cause damage to your property or belongings.
However, there are also several common exclusions, which are situations or events that are not covered by the standard policy.
If you want coverage for many of these specific items, you’ll likely need to buy separate or private coverage.
There are several natural disaster occurrences are not covered by standard coverage.
Standard homeowners insurance usually doesn’t cover damage caused by floods.
Earthquake damage is typically excluded from standard homeowners insurance policies.
While some policies include limited coverage for sudden and accidental sinkhole damage, extensive or gradual sinkhole damage is often excluded as well.
