4 things your homeowners insurance probably wont cover


Homeowners insurance is supposed to cover things like natural disasters, fire, theft and vandalism. But what about other unexpected events?


If you have an A/C leak, the damage could be extensive. A professional can repair it for a fraction of what it would cost to replace your entire system. If you do not have an extended warranty on your unit and are in need of repair, make sure that you call a company that specializes in HVAC systems so they can diagnose the problem quickly and get started on repairs immediately.

In addition to repairing leaks, homeowners insurance does not cover any other issues related to HVAC systems or their installation—even if those issues cause condensation in the home due to mold growth or dampness in certain areas of the house (such as bathrooms).

Snow Removal

Snow removal is a fairly standard part of your homeowners insurance plan, but the coverage isn’t always outlined clearly in the policy. The general rule: if you have plow and salt on hand, you should be able to cover any damage that results from removing snow or ice. What this means is that if someone slips on ice while shoveling their driveway, they might not be covered by an umbrella insurance policy—but they will be covered by their homeowners policy (if it includes snow removal).

This is why it’s important for homeowners to check their policies carefully before purchasing them; some companies offer additional coverage for things like tree trimming and lawn care services. If this kind of service isn’t included in your homeowners’ policy currently and/or you want higher limits in case something goes wrong with these services later on down the road then consider getting quotes from multiple companies so you’re sure what services will come with what price tag attached!

Repairs to the roof or siding

The roof and siding of your home are not covered by homeowners insurance. You can purchase an additional policy to cover these things, or you can get a separate policy for them.

If you have a leaky roof or siding, it is important that you take steps to fix the problem as soon as possible. There are many resources available online that provide guidance on how to find someone who can help with this process (such as the national association of home warranty providers).

Loss of power

If your home loses power, you’ll need to act quickly. First, make sure all of your family members are safe and indoors before turning off the main switches. Then, check on the status of your house’s heating and air conditioning systems and make sure they’re not damaged by the outage. Once all that’s taken care of, bring in additional supplies from outside: flashlights; candles or battery-powered lanterns; blankets or sleeping bags for each person who lives in the house (and keep them handy); matches if there has been an electrical fire somewhere near where residents spend their time together

You should be prepared for things that will happen when you own a home.

When you own a home, things happen. You might be out of town for work or vacation and need to leave your house while it’s vacant. Or maybe it’s raining hard enough that the roof leaks and the insurance adjuster comes over to inspect the damage. Either way, having homeowner’s insurance protects your property in these situations so that when they happen—and they will—you’re covered.

The best part about homeowners insurance is that there are so many different types of policies available; each one is tailored specifically to fit different lifestyles and needs. While some may choose an all-inclusive policy with a low deductible (meaning less money up front), others may prefer to pay more up front but have more coverage options later on down the road such as coverage for flood damage or earthquake protection (or both!). If this sounds like something you’d like on top of everything else then read on for our guide on how much homeowners’ insurance costs & what kinds are available today!


We hope this article has given you a better understanding about what happens when there is a loss in your home. You might be surprised to learn that there are certain things that homeowners insurance does not cover, such as snow removal or repairs to the roof or siding. If you want to be prepared for any potential issues that could occur when owning a home, it’s important to know what falls under the above headings so that you can make informed decisions on how much coverage should be purchased and by whom.

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