Home Insurance Policies: What Do They Actually Cover?

Publish Date: 07 Feb 2022

Finance Today

Home Insurance Policies: What Do They Actually Cover?

You need to know that insurance coverage and exceptions differ from one insurance company to another

Let us start by saying that home insurance is a type of insurance that covers losses or damages in case a destructive event takes place. The insurance covers interior and exterior damage, as well as any damage caused to the furnishing and other assets in the home.


Find out more on home insurance policies here: What is home insurance and how important is it?


Top 7 cases NOT covered by home insurance policies:


The insurance policy does not cover cases directly or indirectly related to any of the following,


  1. Any assets/belongings that are not owned by the home owner and which they are not legally liable for.
  2. Damage caused by a family member or by those employed by the family.
  3. Damage caused by renters to the home or assets within the home if the insurance company has not been informed prior to renting the property.
  4. Damage caused to the home’s interior or exterior if the property is left unattended for more than 30 days without informing the insurance company first.
  5. Damage caused by terrorist acts.
  6. Damage caused by war.
  7. Nuclear radiation.


The insurance company may approve the coverage of one or more of the above exceptions per the client’s request for an additional fee.


Coverage and exceptions vary from one insurance company to another and from one insurance product to another. Your insurance advisor can tailor a policy to fit your insurance needs.


Insurance policies do not cover damage caused by family members or those employed by the family.


What does a home insurance policy cover?


  1. Fire, lightning, and explosions.
  2. Storms, wind damage, floods, and earthquakes.
  3. Damage caused by a non-family member or by a third party not employed by the property owner.
  4. Damage caused by fresh water pipes bursting.
  5. Personal accident to the insured, their spouse, or both.
  6. Reimbursement of another property’s rent in case the home needs to be repaired.
  7. Civil liability towards others (covers damage caused by the insurance policy owner to a third party’s property).
  8. Civil liability by the owner (repairing damage caused to the owner’s property)


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