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A few items your standard home insurance policy probably doesn't cover

July 29, 2015

When choosing a home insurance policy, you want the most well-rounded coverage you can afford. This means asking questions. There are many standard policies that might not cover what you want, requiring you to take out additional or special policies pertaining to these items.

Mold is not typically covered by standard home insurance policies.

To make sure you are getting the proper coverage, speak with your insurance provider. In the meantime, here are some common problems that are typically not covered on standard insurance policies:

"There are many common issues that standard insurance policies don't cover.”

Mold:  The fact that mold is not covered on standard policies is a surprise to many people. Not only is mold ugly and detrimental to your home, but it also can cause health problems to you and your family if left untreated. Most symptoms appear in the form of allergies or sometimes breathing difficulties, but even so, mold is limited in its coverage or simply excluded.

Sewer backup:  Another cause for concern is that sewer backup is not commonly covered by standard home insurance policies. Depending on where your house is located, this might be more of a concern for you than for other people. And as the country's sewer lines continue to age and new homes are added to the existing system, a backup can cause serious damage to your home. If this is something that bothers you, then you should check your policy and find out where you stand.

House rebuild:  If your home is involved in a terrible accident, such as a fire, and requires a complete rebuild, your policy is not likely going to cover this cost. Most standard insurance policies have a cap, or limit at how much they will cover. Typically, rebuilding an entire house will exceed this limit.

There are many other factors too, such as earthquakes and floods that are not covered on most standard policies. But too many times homeowners don't realize the limits to their coverage until they are in a situation in which they need it. Don't be caught off guard by not knowing what your policy entails. Instead, speak to your provider and review your policy.

This is especially true if you have had it in place for years. Don't just take it for granted that you have what you need. Take another look and be covered in the ways you want to be.