Things your homeowner’s insurance might not cover
It’s always best to ask your insurance agent what you might need.
Sewer backup: If a sewer backs up into a home, it can do some serious damage to floors, walls, furniture and electrical systems — and it’s typically not covered by a standard policy.
Floods: Frankly, flood insurance is a different insurance. Make sure, if this is an issue, that you include it in your policy.
Sinkholes: Most home insurance policies will not cover damage associated with ‘earth movement,’ such as an earthquake or sinkhole.
Mold: Depending on your insurance this may or may not be covered. Sometimes, it’s pricey, but depending on where you live this is something you might want to add. With a leak or flooding, get rid of the water asap, so mold doesn’t grow.
Construction work damage: If you are renovating your home it probably isn’t covered by your policy, a rider might be added. If you have a contractor, it would fall under their liability insurance. Make sure they are covered.
Jewelry, antiques, and fine art: Most standard policies have limits for other expensive collectibles. The best way to protect these items is to get a separate insurance rider that specifies exactly what these items are.
Earthquakes: Earthquake damage is not included in standard policies.
Stolen/destroyed cash: It’s difficult to convince the insurance company that you had thousands of dollars stashed away in your home when it was destroyed. So keep it in a safe place or keep minimal cash on hand.