What isn’t covered by the typical home insurance policy?

Just as it’s important to know what your home policy covers, it also helps to know what it doesn’t cover. Depending on where you live or your situation, you may need additional insurance coverage for certain things that aren’t included in your standard home policy.

Here are nine things that aren’t usually covered by the typical home insurance policy:

  1. Flood
  2. Earthquakes and landslides
  3. Hail damage (Alberta homeowners/renters only)
  4. Sewer backup coverage
  5. Special belongings over $3,000 per item or $10,000 combined. Items like jewellery, watches, gems, furs, silverware and collectibles (including sports cards, comic books, sports memorabilia, rare or signed books, coins and stamps), can be considered special belongings
  6. Freezing, unless it happens within part of your house that is heated and you haven’t been away for more than 14 consecutive days
  7. Wear and tear, and maintenance
  8. Loss or damage caused by mould
  9. Direct damage caused by skunks, raccoons, birds, vermin, rodents, bats and insects

For some of these, you can get additional coverage. For instance, if you’re in Alberta you can top up your home insurance with hail coverage. If you’re in an earthquake-prone area, you might consider getting earthquake coverage.

When you get your home policy, be sure to read through it thoroughly – if you realize you’re missing something, you can always make adjustments to your coverage.


Protect your home and the things you love most.