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Homeowner's Insurance

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Dog owners around the world love their furry companions, but sometimes a loving pet can become a dangerous predator, causing harm to guests or owners. Property damage and injury caused by pets is typically not covered by homeowner’s insurance.

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Severe weather and construction accidents regularly cause power outages around the country. Though power is typically restored in time to keep your refrigerated and frozen foods from going bad, food losses and associated costs are not covered by homeowner's insurance.

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If your car is parked in your driveway, on the street in front of your house or off of an alley behind your home, it is vulnerable to theft and break-in, a quandary not covered by your homeowner's insurance.

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Boating is a great pastime, and many boat owners keep their prized vessels at their homes when not in use. If you have a boat on your property, ensure it is very secure — if someone takes off with your boat, the loss is typically not covered by homeowner's insurance.

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Fine art typically requires a second policy or an add-on to your existing homeowner's insurance. Artwork under $1,000 may be covered, but always check your policy to understand exactly which pieces are protected in the event of a loss. If you own any valuable artwork, you should have it professionally appraised and listed separately as an add-on to your insurance policy.

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Storing your valuable jewelry in a locked jewelry box is a good practice, but in the case of fire or theft, jewelry typically is not covered by homeowner's insurance like other possessions. Instead, jewelry and precious metals must be listed and insured separately through an add-on policy on top of your regular coverage.

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Thankfully terrorist attacks in the United States remain rare, but if your home sustains damage as a result of an act of terrorism, it will not be covered by your homeowner's insurance.

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