Home insurance protects your house and its contents against many types of damage. It generally includes liability coverage, which compensates you if someone is injured or if their property is damaged while on your premises.
However, this protection is not absolute. Some situations are not covered by default. Here’s an overview of the most common exclusions.
What is an exclusion?
An exclusion refers to a type of loss that is not covered by your home insurance policy. If a loss occurs due to an excluded event, you won’t receive compensation, and you'll have to cover the expenses yourself.
In some cases, it's possible to add specific protections to your policy through an endorsement. Don't hesitate to speak with your insurance broker to assess your needs.
Common Exclusions in Home Insurance Policies
Water Damage
Leaks or burst pipes are generally covered. However, water infiltration from the ground — such as river flooding, sewer backups, or drain overflows — is typically excluded. Affordable optional coverages can be added to your policy for these risks (groundwater damage, sewer backup, overland water, etc.).
Earthquakes
Disasters like earthquakes are excluded from standard policies. If you want this protection, a specific endorsement must be added to your coverage.
Mold
Mold damage is usually not covered, unless it results suddenly and accidentally from a covered peril (e.g., sewer backup). In the event of water damage, it’s important to act quickly (drying, ventilating) to prevent mold from spreading.
Infestations
Damage caused by pests (mice, termites, bedbugs, etc.) is generally excluded. However, if an infestation causes a covered loss (e.g., a short circuit causing a fire), the resulting damage may be covered.
Force Majeure
Unpredictable events such as war, pandemics, terrorism, nuclear incidents, or government decisions may be classified as force majeure and thus excluded. Ask your broker to clarify what your policy defines as “force majeure.”
Excluded Dog Breeds
Some insurers exclude liability coverage for injuries or damages caused by certain dog breeds. Others may offer coverage under specific conditions (e.g., higher premium, proof of training).
Vacant or Unoccupied Homes
If your home is unoccupied or vacant for an extended period, claims during that time may not be covered. A special policy (vacant or unoccupied dwelling) may be required if you’re away for more than a month. Refer to our article on this topic for more details.
High-Risk Activities
Basic liability typically covers common incidents, like someone slipping on your property. However, higher-risk installations such as a swimming pool, spa, or pond may be excluded. It’s important to inform your broker to ensure they’re included in your liability coverage, and to optionally add specific protection for the installation itself.
Intentional or Illegal Acts
Any damage caused intentionally or in the context of a criminal act will not be covered. Submitting false information in such cases can also lead to insurance fraud charges.
Key Takeaway
Even though home insurance offers solid protection against many unexpected events, it doesn’t cover everything by default. Some exclusions may require additional coverage, which you can often add to your policy. Talk to a broker who can help tailor your coverage to your real needs and avoid surprises in the event of a claim.
For any questions, do not hesitate to contact our brokers : 1 866 961-3553
