Homeowners insurance won’t cover floods, earthquakes, wear and tear, neglect, pests, or sewer backups — but most of these gaps can be closed with add-ons.
By the Home & Dime Editorial Team · Last updated 2026
The major exclusions
- Flooding (needs flood insurance).
- Earthquakes.
- Neglect and wear.
- Pests and termites.
- Sewer backups (needs endorsement).
How to fill the gaps
- Flood insurance.
- Earthquake endorsement.
- Water-backup endorsement.
- Scheduled riders for valuables.
Frequently asked questions
Does it cover water damage?
Only sudden, accidental water damage.
Why was my claim denied?
Usually the cause was ruled gradual or preventable.
The bottom line
Homeowners insurance is built for sudden accidents — fill the flood, quake, and backup gaps with add-ons.
Related guides
- What Does Homeowners Insurance Cover?
- Does Homeowners Insurance Cover Mold?
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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Choosing between policy types? Compare HO-3 vs. HO-5 homeowners policies to see which coverage level fits your home.
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