What Home Insurance Will Cover

Know how far your home coverage extends.paper home cutout cupped in hands

As a homeowner, it’s vital that you know what your homeowners insurance will and will not cover. This allows you to evaluate your current protection and secure additional coverage if necessary. To help you understand the extent of your home coverage, here’s what your policy covers when it comes to these common risks.


Mold in your home is covered by your insurance if it is caused by a covered loss. For instance, mold is covered if it is the result of fire, lightning, ice, frozen pipes, or another covered peril. Mold repairs and remediations are only covered if it is caused by something sudden and accidental. For instance, if a pipe burst, but you did nothing about it and mold formed, then you would not have coverage because the mold is seen as the result of your negligence.

Mold is also not covered when it grows over time. For instance, if mold pops up in your shower or tub or around other perpetually damp places in your home, then it is not covered by your policy. This is because this mold is considered a result of your lack of maintenance.


Homeowners insurance covers theft both inside and outside your home.  For instance, if someone broke into your home and stole your television, then you would have coverage to replace your television and repair the damages the burglars caused. If your phone was stolen while you were traveling, then your home insurance would also cover the cost of replacing your phone.

Homeowners insurance will only cover your belongings up to a certain coverage limit. So, if you have high-value items that exceed these limits, then they will not be covered by your policy. You can secure additional coverage for high-value items through policy endorsements or by securing specialty policies for specific items.

Dog Bites

Typically, your home insurance will provide coverage if your dog bites someone on or off your property. However, there are three main coverage exclusions:

  1. Your home insurance will not cover dog bites to someone covered under your policy (you or the immediate family members living in the household).
  2. Your insurance provider may exclude your dog from coverage if they have a history of biting.
  3. Your insurance provider may exclude your dog from coverage if it is considered “high-risk.” Certain breeds, such as pit bulls, Doberman pinschers, rottweilers, German shepherds, Siberian huskies, and so on are typically labeled “high-risk” by home insurers.

This is what your home insurance will and will not cover when it comes to these common perils. Do you have more questions with your home insurance? If so, then contact the experts at Miller Carlisle Insurance Services. We are ready to assist you with all your home coverage needs today.