The Top Home Insurance Exclusions Utah Homeowners Overlook

Understanding what your home insurance does and doesn’t cover is essential to making informed decisions about your coverage and avoiding costly surprises. Here are some of the most commonly overlooked home insurance exclusions that could lead to unexpected out-of-pocket costs.

Earthquake and Flood Damage

Standard home insurance policies typically exclude damage caused by earthquakes or floods. In Utah, where seismic activity and flash floods are common, this exclusion could leave you paying out of pocket for repairs or rebuilding if these events damage your home. For robust financial protection, consider purchasing separate earthquake or flood insurance.

Wear and Tear or Maintenance Issues

Standard home insurance policies are designed to cover sudden and accidental damage, not issues that develop over time. In most cases, damage caused by neglect, poor maintenance, or normal wear and tear is excluded. This means that if your roof leaks due to age rather than a covered event, such as a storm, you’ll likely be responsible for the repair costs.

Sewer Backup

Many homeowners are surprised to learn that water damage from sewer or drain backups is not included in most standard policies. In areas with aging infrastructure or heavy rainfall, this can be a costly surprise. Adding a sewer backup endorsement can provide valuable financial protection against this often-overlooked risk.

Mold and Pest Infestations

Damage caused by mold, termites, or other pests is generally excluded from home insurance. These issues are considered preventable with proper maintenance, so it’s essential to address them promptly and maintain regular inspections to prevent out-of-pocket expenses.

High-Value Personal Property

While your policy may cover personal belongings, there are usually limits on high-value items like jewelry, art, or collectibles. If you own valuable possessions, consider scheduling them separately or increasing your coverage limits.

Home Insurance in Salt Lake City, UT

Our team at Axcess Insurance is committed to helping Utah homeowners understand their insurance coverage and avoid costly surprises. We can review your policy and address any gaps to help keep your home financially protected. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.