05/28/2026
Your homeowners policy probably has more gaps than you realize.
• Flood damage is excluded from every standard homeowners policy
• Sewer backups, earthquake damage, and mold from neglect are also not covered
• High-value items like jewelry and art often have sub-limits far below their actual value
• Running a business from home? Your homeowners policy almost certainly does not cover it
Read the full breakdown and learn how to close the gaps: https://insurancehub.com/what-does-homeowners-insurance-not-cover/