Some people are shocked to learn that homeowners insurance doesn't cover everything in the house or related to living there. Insurance companies can only take on so much risk, so they have exclusions. Here are some things the typical home insurance policy does not cover: 

HVAC Repairs And Replacement 

Even though you don't see your HVAC system daily, it's an appliance much like your stove or washing machine. Unless damaged by a larger, covered, event, it's not covered by home insurance. Maintain and clean it regularly to extend its lifespan. And always keep an emergency fund for the day that it decides to quit altogether. 

Trampolines 

Your kids love them and insurance companies hate them. Many injuries are caused by them so typical and come with extensive medical costs. Home insurance policies have clauses that exclude the trampoline, and any injuries caused by its use, from the policy. 

Sewer Backup 

When a sewer back up occurs, it's often because of improper drainage or installation. Check this frequently to make sure it's working properly so that you don't end up spending your entire day ankle deep in muck if it happens. 

Mold Damage 

Usually mold occurs as the result of an unnoticed leak. Make it a monthly habit to check water pipes for leaks, and have all leaks fixed immediately. Check the surrounding area for mold damage and get to work cleaning any that you find. 

Aggressive Breeds Of Dogs 

Home insurance companies have a list of dogs that they won't cover, such as Pit Bulls and Rottweilers. Never lie about the kind of dog — or other pet — you have. 

Pest Damage 

When you discover a termite or cockroach infestation, don't expect you homeowners insurance policy to help with repair or extermination costs. Know what pests are common in your area. And take measures to prevent them from destroying your home. 

Acts Of War Or Terrorism 

Everyone prays that these event never befall them. But unfortunately, if they do happen, homeowners do not receive any compensation from their insurance provider. Protect yourself from the worst by having life insurance in place in case someone passes away in the event. 

You can always ask your insurance agent if they offer additional coverage for things you want but are not typically included in their policies. Not all policies are the same, so it's wise to check out your options. Contact us today for help finding a policy that's right for you.