Which Area Is Not Protected by Most Homeowners Insurance?

When it comes to seguro de viviendas, knowing what your policy doesn’t cover is just as important as knowing what it covers. Home insurance is designed to help protect your home and its contents if they’re damaged by a covered loss, but there are certain types of damages that are excluded by standard policies. You’ve made a big investment in your home, so understanding which area is not protected by most homeowners insurance can help you determine if you need additional coverages for extra protection.

 

Most homeowners insurance policies do not cover damages caused by situations involving:

 

Although some forms of water damage, like damage resulting from an accidental pipe burst, are covered by standard homeowners insurance, flood damage is typically not. If you live in an area that’s prone to flooding, you’ll need to purchase a separate  seguro contra inundaciones policy offered through the National Flood Insurance Program to help keep your home protected.

 

Natural disasters involving earth movements, such as earthquakes, sinkholes and mudslides, are usually not covered by home insurance policies. However, you can add coverage to your homeowners policy to help protect against these situations.

 

If you operate a business out of your home, your homeowners insurance may not include protection for parts of your business, like technology or professional equipment. That’s why you’ll need separate home-based business insurance to help protect your business assets in the event of fire, theft or another covered loss.

 

Normal wear and tear is typically excluded from standard homeowners insurance coverage. For example, if your home’s plumbing system becomes worn out over time, your home insurance likely won’t pay for damages. However, damages are covered in accidental events, such as in the case of burst pipes.

 

Damage caused by poor home maintenance is usually not covered by home insurance. That’s why pest damage, like from vermin or rodents, is generally not covered. Preventing these critters from taking up residence in your home is considered by most insurance companies to be part of maintenance in which the homeowner is responsible for.

 

Since 1984, we’ve provided home insurance exclusively for AARP members and their families. In fact, The Hartford is the only insurance provider endorsed by AARP.

 

Not all home insurance companies are the same. At The Hartford, we’ve been in the business of protecting individuals and their properties for over 200 years. Through the AARP^® Home Insurance Program from The Hartford,¹ you can enjoy great rates and special discounts on your insurance.

 

Still wondering, “What does homeowners insurance cover?” Our specialists are here to help take out the guesswork and get you the coverage you need. To find out the savings and benefits available to you, obtener una cotización  hoy mismo.

 

 

Última actualización: 5 de enero de 2023

 

Divulgaciones adicionales a continuación.

Cotización de seguros de vivienda de The Hartford para afiliados de AARP

Descuentos del Programa de seguro para viviendas de AARP de The Hartford

Tarifas para seguro de viviendas

Definición del Programa de seguro de viviendas de AARP a través de The Hartford