Standard home and renters policies exclude some common risks. Knowing the gaps lets you decide whether to fill them.
Usually excluded
- Flood, which needs separate flood insurance
- Earthquake, which needs a separate policy or endorsement
- Wear and tear, and damage from lack of maintenance
- Pests like termites
- Sewer or drain backup, unless you add it
Limits
Jewelry, art and collectibles often have low limits for theft. You can usually add coverage for them.
General educational information, not insurance advice. Coverage depends on your policy and state. Savings Nestle isn't paid by any insurer, agent or broker.