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What are some of the items that your home insurance might NOT cover?


When disaster strikes, you don’t want to be thinking about what’s covered under your home insurance policy. The good news is that majority of the things will be covered by your regular home, condo or tenant policy. However, there are always exceptions and it’s always good to know what will NOT be covered in case something happens. If you take the time to understand the types of items that typically aren’t covered by home insurance, you can bring that up with your broker to get a better understanding of the kind of protection you need.

Listed below are items that are excluded from a typical home insurance policy.

  • Glassware / Chinaware
  • Collectibles
  • Antiques / Fine arts

Listed below are some items have special coverages and are treated differently.

  • Bicycles
  • Jewelry and watches
  • Fur items
  • Silverware
  • Wine collection
  • Computer software
  • Plants on your property
  • Spare car parts and Golf carts

Each insurance policy is different and has a unique set of coverages, exclusions and limits. It’s important to review your policy and know what you want so you know what will be covered in the case of disaster. Contact one of our brokers to learn more about your home insurance policy to make sure you have everything covered.

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