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These Events Are Not Covered in a Standard Homeowners Insurance Policy, According to Mercury Insurance
While it's important to know what events are covered in your homeowners insurance policy, it's equally important to know what events are not covered. One of the biggest misunderstandings many policyholders have is the belief that, if their home is damaged or destroyed, their homeowners insurance policy will cover the cost of everything.
About this update from Mercury General Corporation
[{"type":"text","content":"Floods, Earthquakes and Detached Structures Require Additional Coverage","length":71,"tagName":"p","attribs":{}},{"type":"text","content":"LOS ANGELES, June 25, 2025 /PRNewswire/ -- While it's important to know what events are covered in your homeowners insurance policy, it's equally important to know what events are not covered. One of the biggest misunderstandings many policyholders have is the belief that, if their home is damaged or destroyed, their homeowners insurance policy will cover the cost of everything.","length":389,"tagName":"p"},{"type":"text","content":"Understanding what your policy does — and does not — cover in advance of a peril can allow you to take the precautionary steps so you're not caught off guard following a home disaster.","length":188,"tagName":"p","attribs":{}},{"type":"text","content":""Homeowners insurance generally provides coverage for damage or loss to your home and personal possessions due to events like fire, sudden water damage from a burst pipe, or theft. However, certain situations may not be included in your policy," said Adam Bakonis, Sr. Product Manager State for Mercury Insurance. "For example, you may need to purchase separate flood or earthquake insurance to protect your home from coastal or river flooding, or seismic activity if you live in areas prone to these events, as they are usually not covered by a standard homeowners policy."","length":594,"tagName":"p","attribs":{}},{"type":"text","content":"Here's a further breakdown of events that are typically not covered by a standard homeowners insurance policy:","length":114,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Floods: A typical policy does not cover flooding related to rivers, coastal storm surge, or water running off the surface of the ground or from under the ground into the home. To get flood coverage, your agent can help you purchase a separate flood insurance policy to protect your home.","length":292,"tagName":"p"}]},{"val":[{"type":"text","content":"Earthquakes, landslides and mudslides: Homeowners insurance generally does not cover damage from any land movement, including earthquakes, landslides, mudslides and sinkholes. Like flood insurance, your agent can help you secure coverage through a separately purchased earthquake insuranc...