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What Isn't included in Your Homeowners Policy: Understanding Your Homeowner's Policy

Understanding what is included in your home insurance policy is an important part of purchasing homeowners insurance. It’s a good idea to review your policy with your insurance provider, to make sure you understand what is –and isn’t- covered. This prevents unpleasant surprises when it comes time to make a claim.

Coverage options generally include structural coverage, some personal property coverage, and some liability and loss of use coverage. While standard homeowners insurance is a good start, there are some additional coverage options that you may want to consider purchasing alongside your homeowners policy.

Additional Term Limits

Ask your insurance agent about total loss coverage. It’s advisable to purchase enough coverage to cover the costs to repair your home, in case of a worst-case scenario.

Personal Property

Additional coverage for personal property is a good idea if you have valuable items that go beyond the terms of your policy limits. Items such as jewelry, firearms, fine art, and furs often have additional insurance coverage taken out to protect them in the event of a loss. Generally, documentation of an item’s value is needed in order to make a claim.

Additional Liability

While standard homeowners insurance usually includes some liability coverage, additional liability insurance can be purchased to ensure that you are completely covered should legal action be taken against you due to a third party becoming injured on your property.

Additional Perils Coverage

Not all perils are covered under a standard homeowners’ policy. Often, flood, earthquake, and windstorm insurance are not included, and are available as additional policy add-ons.


Most homeowners’ insurance policies do not include earthquake coverage. A separate insurance policy is usually needed to provide coverage for this peril.


Some homeowners’ policies do not include tornado damage. This is an especially important coverage if you live in areas that are at risk for tornados.


Many people are surprised to find that flood insurance is not part of their homeowners’ policy. If you live in an area prone to windstorms or flooding, be sure to ask your insurance agent if you are covered against floods.

Be sure to check with your agent to make sure you have the right amount of coverage. Katy Texas Insurance offers comprehensive homeowners insurance policies at competitive rates. We can provide you with insurance options designed to fit your needs and budget. Contact your Texas insurance specialists today. (877) 952-1010