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HUB Insurance Hunter | Things That Homeowner’s Insurance Will Not Cover

September 26th, 2011  |  Insurance

Part of being a Canadian homeowner is ensuring that you purchase a comprehensive home insurance plan to protect your property. Since home insurance policies can vary significantly based on the amount of coverage that you want included, you need to be aware of what you are getting for the coverage that you pay for. This is why it’s so important to review your home insurance policy and fully understand what is contained in the agreement.

Did you know there are certain things that home insurance will not cover? Some of the things that are not included in your home insurance policy include: 

  • Flood damage (Some water damage may be covered – check with your insurer for clarification)
  • Regular wear and tear that occurs as your home ages
  • Home based business insurance
  • Mold removal and clean up
  • Earthquake and landslide damage (Earthquake coverage can be purchased as an add on)

The last thing that you want to happen is assume that you have coverage when you actually do not. Review your home insurance policy and make sure you understand what is included in your policy. If you have questions, contact your home insurance broker to get clarification. Reviewing your policy and asking questions will ensure that you make an informed decision when you renew your home insurance policy.

To learn more about the things that homeowner’s insurance will not cover, talk with one of our experienced home insurance agents. Don’t forget to get 3 quotes in 3 minutes at and save money on your next home insurance policy. 

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