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What homeowner insurance does not cover

Don't be surprised: There are several major risks that a standard homeowner policy does not cover. If you face these risks, you should strongly consider buying additional coverage.

Earthquake

This coverage provides for repair or replacement of your home due to an earthquake.

Flood

You'll need flood insurance to cover you against floods, flood-related erosion, abnormal tidal surges and mud flow.

Land movement or landslides

Homeowner policies usually don't cover damage due to land movement or landslides.

Mold

Some companies will allow you to buy additional coverage for mold.

Volcanoes

Not all damage caused by a volcanic eruption is covered under your homeowner policy - you may need more coverage.

Other common things your basic policy doesn't cover

• Wear and tear, deterioration
• Maintenance issues, including slow water leaks
• Damage due to animals or rodents
• Foundation settling and cracking
• Additional things not covered by a standard policy

Updated 05/07/2012