Six Surprising Things Home Insurance Doesn't Cover

Home insurance protects you from a lot, but not from damage caused by floods, earthquakes, sinkholes, water leaks and a number of other dangers.

Two parents and a child look up at the ceiling where water is dripping.
(Image credit: Getty Images)

Fires, hurricanes, snowstorms, theft — unfortunately, there’s no shortage of bad things that can happen to your home and its contents. The good news is you can help protect your investment by getting home insurance. 

But, like other types of insurance (auto, life, travel), not all home insurance policies are created equal. And many home insurance plans contain gaps, where you’re not covered for certain events.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Daniel Bortz
Contributing Writer, Kiplinger's Personal Finance

Daniel Bortz is a freelance writer based in Arlington, Va. His work has been published by The New York Times, The Washington Post, Consumer Reports, Newsweek, and Money magazine, among others.  

With contributions from