Got Home Insurance but Not Sure What It Covers? Let’s Break It Down
Your home is likely your most significant investment— don’t leave it exposed to risks you didn’t even know existed. Taking the time now to review your home insurance coverage can make all the difference when the unexpected happens. If you have a homeowner’s insurance policy but aren’t quite sure what it actually protects you from—you’re not alone. Insurance can be confusing, but we’re here to make it simple. There are 16 named perils (that’s insurance lingo for “things that can go wrong”) typically covered under a standard homeowner’s policy. But keep in mind—coverage always depends on the fine print: terms, conditions, exclusions, and more. That’s why we strongly recommend speaking with an independent insurance agent who can help tailor your coverage to your specific needs.
What’s Usually Covered
Here are the common perils your policy may protect you from:
- Fire or lightning
- Windstorms
- Hail
- Accidental water or steam discharge (like from a burst pipe)
- Theft
- Explosions
- Riots or civil commotion
- Damage from aircraft
- Damage from vehicles
- Smoke
- Vandalism or malicious mischief
- Falling objects
- Weight of ice, snow, or sleet
- Freezing of plumbing or heating systems
- Glass breakage
- Ice damming (when melting snow refreezes and backs up under your roof)
What’s Not Covered (Unless You Add It On)
Some risks aren’t included in a standard home insurance policy— but you can often add them for an extra cost. Here are a few common exclusions:
- Floods
- Earthquakes
- Sump pump overflow
- Pollution
- Mold
- War
- Normal wear and tear
- Damage from pests or your own pets
- Power outages (if the issue starts off your property)
- Collapse (unless caused by a covered peril)
- Intentional damage
- Freezing damage while your home is vacant
- Nuclear hazards
Home insurance isn’t one-size-fits-all. The right coverage depends on your home, your location, and your lifestyle—and overlooking the details can lead to costly surprises. That’s why working with an independent insurance agent is so valuable. They can help you understand exactly what your policy covers, identify any gaps, and tailor protection that fits your unique needs.
Don’t wait until it’s too late— reach out today and gain the confidence and peace of mind that comes with knowing your home is truly protected. Contact Kim Smith at (508) 824-8666 or ksmith@fbinsure.com
Learn more about homeowners’ insurance FAQ’s here: Homeowners Insurance – FBinsure
View this article on LinkedIn: Home Insurance Quick Guide — LinkedIn
