Understanding Homeowners Insurance: Coverage and Exclusions


Your home is likely one of the biggest investments you’ll make in your lifetime. It’s where you make memories, build your life, and keep your most valued possessions. As such, it’s important to protect your investment with a comprehensive homeowners insurance policy. In this blog post, we’ll discuss the basics of homeowners insurance, including what it covers and what it doesn’t, so you can make informed decisions about your policy.


Homeowners insurance typically covers damage to your home and personal property caused by certain perils, such as fire, theft, and natural disasters. It can also provide liability coverage in the event someone is injured on your property. Here are the most common types of coverage included in homeowners insurance policies:

Dwelling Coverage

Dwelling coverage protects the physical structure of your home, including the walls, roof, floors, and foundation.

Personal Property Coverage

Personal property coverage protects your belongings, such as furniture, clothing, and electronics, from damage or theft.

Liability Coverage

Liability coverage protects you in the event that someone is injured on your property and sues you for damages.

Additional Living Expenses Coverage

Additional living expenses coverage can pay for the cost of living elsewhere if your home is uninhabitable due to a covered loss.


While homeowners insurance provides valuable coverage, there are certain things that are typically excluded from a standard policy. It’s important to be aware of these exclusions so you can make sure you’re adequately covered. Here are some common exclusions:


Most homeowners insurance policies do not cover damage caused by floods. If you live in an area prone to flooding, you may need to purchase a separate flood insurance policy.


Earthquakes are generally not covered by standard homeowners insurance policies. If you live in an area prone to earthquakes, you may need to purchase a separate earthquake insurance policy.

Wear and Tear

Homeowners insurance typically does not cover damage caused by normal wear and tear or lack of maintenance.


Understanding what is covered and what is not covered by your homeowners insurance policy is important for protecting your investment and ensuring you have the coverage you need. If you have any questions about your policy, contact your insurance provider to review your coverage options.

Request a Quote Today

Don’t wait until it’s too late to protect your home and personal property. Request a quote for homeowners insurance today by calling our office at 541-447-6372 or reaching out to us on social media. We’re here to help you find the right coverage for your needs in Oregon, Washington, and the Pacific Northwest.”