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.

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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