Don't let your insurance let you down. Here are 10 examples of what a standard homeowners policy often won't cover. With this stuff, peace of mind is likely to cost extra.

1. Flooding

flooding in luxurious kitchen interior. 3d creative illustration
Zastolskiy Victor / Shutterstock

A flood that originates inside the home — like if your water heater leaks all over the floor — is usually covered by homeowners insurance.

But flooding caused by natural or physical forces outside the home — if, say, a nearby river spills out of its banks and into your living room — would not be covered by typical home insurance.

For that, you need special flood coverage offered through a government program. Federal Emergency Management Agency (FEMA) maps show whether your home is at high risk for flooding — and whether you need to get flood insurance ASAP.

2. Sinkholes

Sinkhole In Mayaguez Puerto Rico
Sheryl Chapman / Shutterstock

Homeowners insurance policies usually note that they do not cover damage caused by earth movement.

Sinkholes fall into this category because in a sinkhole, the ground opens up.

In states where sinkholes are common, homeowners can purchase special coverage for them. In Florida, a 2016 law requires insurers to make sinkhole insurance available to policyholders "for an appropriate additional premium."

Page 1 / 9

Subscribing to MoneyWise Has Its Rewards

Hello! You’ve found us by way of our phenomenal lifestyle content, but did you know MoneyWise is best known for producing thoroughly researched personal finance content, written by the smartest personal finance writers in the industry?

If you subscribe to MoneyWise—for free—you’ll get unlimited, ad-free* access to all of our content (including this article) and you’ll receive a twice-weekly personal finance newsletter that makes you smarter about your money.

Return to article

*Subscribers must be logged in for display advertising to be disabled. Ad-free refers only to display advertising. Content on MoneyWise often contains affiliate offers. It would be impractical to remove these from content for subscribers. Furthermore, MoneyWise believes linked products and services add sincere value to the content. With that being said, please be aware articles may still contain affiliate offers. These offers will be clearly marked in line with our advertising guidelines.