Most people rely on their insurance to protect their homes, no matter what. However, assuming that you’re covered could cost you a lot more than you’d think. Some insurance companies are quietly excluding certain home features from policies. Risks that you may have considered to be standard at one point in time are now no longer covered under your policy, for one reason or another. Here are nine features that your home insurance policy may no longer cover. (Make sure you check the fine print!)
1. Trampolines That Invite Too Much Risk
Trampolines might bring fun to the backyard, but they’re also considered high-risk by insurers. Many companies now list trampolines under home insurance exclusions due to the potential for serious injury. Even if you have a net and safety rules, one accident could lead to a costly liability claim. Some insurers flat-out deny coverage if a trampoline is on the property. Others may offer limited coverage only with strict safety guidelines, so it’s important to ask before buying one.
2. Outdated Roofs That Trigger Red Flags
A roof that’s 20 years old or more can be a major liability in the eyes of your insurance company. Instead of covering repairs or replacement, your policy might only offer actual cash value, which accounts for depreciation. That means you’ll get much less money than you expect after damage. Some policies even deny claims entirely if the roof is deemed too worn or improperly maintained. Staying ahead of roof repairs and keeping records could save you from a denied claim.
3. Aggressive Dog Breeds That Increase Liability
Home insurance often excludes coverage for dog breeds that are considered aggressive or dangerous. Breeds like pit bulls, Rottweilers, and Doberman Pinschers are commonly flagged, regardless of the dog’s actual behavior. If your dog bites someone, the liability claim may not be covered if the breed is on the insurer’s restricted list. This puts homeowners at serious financial risk. Before adopting a dog, it’s wise to check your policy for exclusions related to pet ownership.
4. Mold and Mildew That Linger Too Long
Mold damage is notoriously tricky when it comes to insurance claims. Most standard home insurance policies list mold as a home insurance exclusion unless it results from a covered peril like a sudden burst pipe. Even then, coverage is usually limited and may come with a low cap. Insurers argue that mold is preventable with proper maintenance, which puts the burden on the homeowner. Addressing leaks quickly and improving ventilation are key to avoiding this costly issue.
5. Pools Without Proper Fencing or Precautions
Swimming pools are another backyard feature that’s becoming a gray area for insurance. If you don’t follow strict safety requirements—like having a fence with a locking gate—your insurer may refuse to cover injuries or accidents. Some insurers may deny liability coverage for pools altogether, especially if they’re above-ground or lack proper supervision features. Pools increase your premium and your liability exposure, so proper documentation and safety measures are essential.
6. Earthquake Damage in Non-Covered Regions
Many homeowners are shocked to learn that earthquake damage is not covered under standard home insurance policies. You typically need to buy a separate earthquake policy, even if you live in an area with occasional seismic activity. Some regions with low risk may still be denied this optional coverage, leaving homeowners vulnerable. Damage from the earth shifting beneath your home can be financially devastating. If you live near a fault line—or even if you don’t—check your options before assuming you’re covered.
7. Termite Infestations That Eat Away Value
Termites may silently destroy your home, but your insurance company probably won’t help cover the repairs. Infestations are considered a result of poor maintenance rather than a sudden or accidental event. This makes them one of the more surprising home insurance exclusions. Repairing termite damage can cost thousands of dollars and often isn’t discovered until it’s extensive. Routine pest inspections and preventative treatments are the best protection against this hidden threat.
8. Sewer Backups That Catch You Off Guard
Sewer backups are messy, damaging, and increasingly common—but not usually included in basic home insurance. You’ll likely need to purchase an optional rider or endorsement for sewer and drain backup coverage. Without it, you could be on the hook for water damage, mold, and property loss. With aging infrastructure in many cities, this risk is higher than many homeowners realize. Adding the endorsement is typically inexpensive and worth the peace of mind.
9. Home-Based Businesses That Are Underinsured
If you run a business from home, your standard policy may not cover your equipment, inventory, or liability. Home insurance exclusions often extend to business-related claims, especially if clients visit your home or you store valuable products. Some homeowners are unaware that their policies offer little to no protection for business activities. If your laptop, tools, or merchandise are essential to your income, consider adding a business endorsement or purchasing separate business insurance.
Protect Yourself from Surprises with a Policy Review
Buying a home is undoubtedly one of your biggest investments. When you purchase home insurance, you may assume that everything you have in/around your home will be covered too, but that’s not always true. Additions you make to your backyard or even natural disasters beyond your control might not be covered. Ensure you read over your policy every time you renew. Taking a close look at the fine print and asking questions will help you protect yourself (and your property).
Have you reviewed your home insurance lately? Which exclusions surprised you the most? Share your thoughts or experiences in the comments below!
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