There are some common exclusions and limitations:

• Damage from flooding or earthquakes — these events often require separate policies or endorsements.

• Routine maintenance issues, wear & tear, termite/pest damage. For example, termite damage is typically not covered.

• Items whose value exceeds the standard personal property limits may need additional scheduled coverage (e.g., for jewelry, fine art).

• If a home is in a flood zone, standard home insurance usually won’t cover flooding — separate flood insurance is required.

• Raise your deductible (if you can afford the out-of-pocket cost)

• Maintain and update your home (roof, wiring/plumbing, safety systems)

• Bundle your home policy with other insurance lines (auto, umbrella) for discounts

• Ask about discounts for security systems, fire alarms, newer construction

• Shop around periodically to compare carriers and renewals

Homeowners insurance is generally not required by law, but most mortgage lenders require you to maintain coverage for the duration of your loan.

Many homeowners policies cover sudden and accidental water damage from sources such as burst pipes. However, flood damage and some sewer backup losses may require separate coverage.

Coverage may be available if your roof is damaged by a covered peril such as wind, hail, or fire. Coverage details depend on your policy and the cause of loss.

Mold coverage varies by policy and depends on what caused the mold. Some causes may be covered while others may be excluded.

Yes. Most policies provide coverage for furniture, clothing, electronics, and other personal belongings if they are damaged or stolen due to a covered loss.

Yes. Many insurance companies offer coverage for homeowners with prior claims, although rates and eligibility may vary.