What are examples of commonly covered and not covered homeowners insurance situations?

Covered: Fire, theft, vandalism, and certain natural disasters like windstorms. Not Covered: Floods, earthquakes, mold, slow leaks, and wear and tear. Separate policies or endorsements may be needed for these.

Commonly covered risks include fire, theft, vandalism, and certain natural disasters such as hail or windstorms. However, some events are often not covered:- **Flood Damage**: Typically requires a separate flood insurance policy.- **Earthquakes**: Usually excluded and may require additional coverage.- **Wear and Tear**: Regular maintenance issues, like roof leaks from poor maintenance, are not covered.It is essential to know what risks are covered and to assess whether additional policies might be needed.

If your home suffers damage from a wildfire, the damage would typically be covered by homeowners insurance. However, if the damage was from a flood, it would not be covered unless you have a separate flood insurance policy.

Review your policy carefully to understand what's covered and what's excluded. If you live in a flood-prone area, it’s a good idea to purchase a separate flood insurance policy to make sure you’re fully protected.