Most homeowners insurance policies these days provide for a pretty broad amount of coverage, but there are some risks that might not be covered at all, and items that are limited in the amount of coverage provided in a standard homeowners insurance policy. 

Causes of Loss Not Covered by the Standard HomeOwners Insurance Policy 

Nearly all homeowners insurance policies cover fire, wind, hail, theft, vandalism and on-premises accidents, but the following are things typically NOT included, or have limited coverage:  

  • Earthquakes
  • Mold
  • Flooding
  • Backup of Sewers & Drains

Property That Has Limited Coverage

Similarly, the standard homeowners policy will cover most everything that you own as personal property, but some types of personal property have limitations on how much coverage is provided by the standard homeowners insurance policy. These items typical represent money or items that are typically appraised, including: 

  • Gold, Coins & Currency
  • Jewelry
  • Guns
  • Furs
  • Artwork
  • Antiques
  • Collectibles

There is Some Good News

Most of the above items CAN be covered and for the limits that you need, but you will need to purchase an optional coverage provided by an endorsement. It’s also possible that your particular insurance company already includes an endorsement that provides these coverages and/or increases the limits that they are covered for. If you have any concerns about how your policy would cover these items, please contact us for a free review of your current policy. 

In the meantime, here’s a short video that goes over everything mentioned above: 


About Dawson Insurance

The first independent insurance agency in Dawson County, Dawson Insurance has a history of excellence since 1964. Located in Dawsonville, Georgia, we also offer unparalleled service and competitive quotes to personal and business insurance clients in Cumming, Gainesville, Alpharetta, and throughout the entire State of Georgia.

(The above article provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.)