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Homeowners Insurance FAQs

What Types Of Personal Property Doesn't My Homeowners Policy Cover?

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All Homeowners policies exclude the following types of property. They can generally be insured either by an amendment to the homeowners policy, or through a separate policy.

  • Articles that are generally insured under any other insurance, such as your car.
  • Motorized land vehicles. NOTE:  Vehicles used to service your residence or assist you if you are handicapped ARE covered, provided that they are not subject to motor vehicle registration. Despite some of the fancy wheelchairs around these days, we've yet to see one with license plates!
  • Aircraft.
  • Animals, birds, or fish.
  • Property of roomers, boards, and other tenants not related to you.  For example, if a volunteer stays the night in your home to help care for you, and her bicycle is stolen from your front porch, it would not be covered by your policy.
  • Property in an apartment that you rent out to others.
  • Property away from the premises that you rent to others.
  • Business data, including software, paper records, and drawings.  Other equipment used in business, such as a computer you use to work at home, is covered up to a $2,500 limit when the equipment is in your home.
  • Mold.

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