Whether you are an existing homeowner or a prospective homebuyer, you should be aware of the coverage of your homeowner’s insurance policy.

Damages caused by the following are not covered:

- flood
- earthquake or land movement
- war
- nuclear-related events (explosion, leakage)
- “Acts of God” or other natural calamities

Repair and maintenance costs may not be fully covered, only a percentage of the cost will be paid by the insurance company.

Among those covered are damages caused by fire, wind. However, if damage is caused by events that are covered and not covered, and occurred at about the same time (e.g. fire resulted from an earthquake), this may not be covered if an anti-concurrent causation clause is included in the policy.

To know more about what is covered by a homeowner’s insurance, check out Insurance Information Institute.

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