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What Does a Standard Homeowners Policy Not Cover for Damage?

Last updated October 31, 2026

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The short answer

Flood Damage

Flooding from rising water outside your home is not covered by a standard homeowners policy. This includes water from rivers, lakes, or heavy rain that enters through windows, doors, or the ground. If you live in a flood-prone area, you likely need a separate flood policy through the National Flood Insurance Program or a private insurer.

Even if you have never seen flooding in your neighborhood, it can happen. Heavy rain or rapid snowmelt can overwhelm drainage systems anywhere. Check your policy to see what it says about flood. If you are unsure, ask your insurance company directly.

  • Water from rising rivers or lakes
  • Rainwater seeping through the ground
  • Storm surge from coastal storms
  • Flooding from blocked storm drains

Sewer and Drain Backup

A standard homeowners policy usually does not cover damage from a sewer backup or a sump pump failure. If a clogged city sewer sends water into your basement, the cleanup and repairs are often your responsibility. You can buy a separate endorsement or rider for sewer backup coverage, but it is not automatic.

Check your policy to see if it mentions sewer backup. Some policies offer a small amount of coverage, but it may not be enough for major damage. If you have a basement, this is especially important. Ask your insurance company about adding this coverage.

  • Backup from city sewers
  • Sump pump failure or overflow
  • Blocked drain lines in your home
  • Water from a septic system backup

Long-Term Leaks and Neglect

If a pipe leaks slowly for months and causes rot or mold, your standard policy likely will not cover it. Insurance is meant for sudden, accidental events, not maintenance issues. Damage from lack of upkeep, such as a worn roof that leaks during every rain, is also excluded.

The same goes for damage that you knew about and did not fix. For example, a water stain on the ceiling that you ignored for a year is not a surprise event. If you discover a leak, act quickly to stop the water source and dry the area. That helps limit damage and makes a claim more straightforward.

  • Slow pipe leaks behind walls
  • Roof damage from years of wear
  • Rotting wood from constant moisture
  • Mold growth from unchecked humidity
  • Damage from a leak you ignored

Earth Movement and Other Events

Standard policies exclude damage from earth movement, including landslides, sinkholes, and mudslides. They also exclude damage from termites, insects, or rodents. If your home settles and cracks a pipe, that is often considered a maintenance issue, not a covered event.

Some policies exclude damage from power surges or other electrical events. If your sump pump fails because of a power surge, it may not be covered. Read your policy carefully to understand what events are listed as exclusions. If you are not sure what a term means, ask your insurer.

  • Landslides and sinkholes
  • Termite or rodent damage
  • Power surge damage to appliances
  • Settling of the foundation
  • Damage from faulty construction

What You Can Do

Review your policy each year to know what is covered and what is not. Make a list of your belongings and keep it in a safe place. If you have questions, call your insurance company. They can explain your coverage and any optional endorsements you might want.

For any water damage event, act fast to stop the source and dry the area. If you need help with cleanup and drying, local water damage pros can handle the work. They can also help you document the damage for your claim. Keep records of all communication with your insurer.

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Frequently asked questions

Does a standard policy cover water damage from a burst pipe?

Usually yes, if the burst is sudden and accidental, such as a frozen pipe that splits. However, if the pipe burst because of long-term corrosion or neglect, coverage may be denied. Check your policy and ask your insurer for specifics.

What if my neighbor's tree falls on my house?

A standard policy typically covers damage from a fallen tree, including the cost to remove it from your home. However, if the tree was rotting and you knew it was a hazard, the claim might be questioned. The cause of the fall matters.

Can I buy coverage for flood and sewer backup?

Yes, you can often buy separate flood insurance and a sewer backup endorsement. Flood insurance is usually through the National Flood Insurance Program or a private insurer. Sewer backup coverage is an add-on to your homeowners policy. Ask your insurer about options.

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