Homeowners insurance covers your home’s physical structure and contents. It safeguards against perils like falling objects, fire or theft. Additionally, home insurance offers liability defense against lawsuits arising from a guest’s claim for personal injury or property damage.
However, a homeowners insurance policy does not cover every peril that can happen to your property. An exclusion is something your policy doesn’t cover.
In other cases, insurers may cover something but only in a surprisingly limited fashion. So, you may need a rider, also called an endorsement, for adequate coverage. A rider expands your coverage to add extra protection for specific needs.
With that in mind, below are 12 things your standard homeowners policy likely won’t cover.