Homeowners insurance policies exclude several common types of damage, including flood damage, earthquake damage, normal wear and tear, and maintenance-related issues. These exclusions exist because they typically require specialized coverage or are considered the homeowner’s responsibility. Understanding what your policy doesn’t cover is just as important as knowing what it does. Learn about coverage gaps in Florida and how to address them.
If you need protection against excluded perils like flooding, you can purchase separate policies such as flood insurance. We recommend reviewing your policy annually to ensure you have comprehensive protection for all potential risks to your home.
