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Protect the foundation of your home

What is not covered under a dwelling policy?

A standard homeowners insurance policy typically does not cover floods, earthquakes, sewer backups or damage that occurs from a lack of maintenance. You may be able to buy additional coverage or a separate insurance policy to help cover some of these additional perils.

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dwelling (home structure) coverage

It depends where you live. A standard homeowners insurance policy covers damage to your home and your property caused by various perils. A typical home  insurance policy will typically help pay to repair damage caused by certain risks or perils, including:

  • An aircraft, car or other vehicle 

  • Explosions 

  • Falling objects 

  • Lightning strikes 

  • Vandalism and malicious mischief   

  • The weight of ice, snow and sleet 

  • Theft

  • Fire and smoke

  • Windstorm or hail

  • Frozen plumbing

  • some types of water damage

  • Water damage from plumbing, water heater, appliances and heating or cooling systems

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