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Most homeowners know that having a home insurance policy is important as it protects you in case anything happens. If your home is mortgaged with a bank you may be required to carry insurance by law. But it’s also important to know what your policy does and doesn’t cover to be well informed.

While it’s tempting to think that your home insurance policy covers all the little things in your house, there are a few things that aren’t covered by homeowner’s insurance.

Things like septic systems fail, for example, and can be costly to fix, but are not covered under the homeowner’s policy.

Here are five things that most policies don’t cover:

1.  Septic System

Septic systems are not covered by insurance and this includes leach fields, tanks, pumps, motors, or piping that run from the septic tank to the leach fields and others.

2. Termites and Pests

Termites and other pests – also known as vermin, can cause damage to your home. They are not the only pests that can do damage. Ants, roaches, mice, and carpenter ants can all wreak havoc on the property, especially if not treated soon enough.

3.  Water Well

Water wells, including well pump motors, aren’t covered by home insurance. If you’re living in an area where there is no municipal infrastructure nearby it’s important to understand how these structures function so you’ll be prepared.

4. Sprinkler System

Sprinkler systems including sprinkler heads – the actual devices that release water are not covered under homeowners’ insurance policies and motors and pumps which move water from storage tanks into the pipes.

5. Heating and Cooling

HVAC systems in your home themselves are also not covered by homeowner’s insurance. This includes things like heat pumps too.

We hope that you have found this article useful. If you have any more questions about what your home insurance doesn’t cover and what additional policies are available give us a call and our knowledgeable independent insurance agents can assist you.