What Your Home Insurance Probably Doesn’t Cover (But Should)

October 27, 2025•1 min read

Think your policy has you fully protected? Think again. Here are 4 things most homeowners don’t realize aren’t included — and how to fix it.

You pay your homeowners premium every year — but are you truly covered when life happens?

Here’s what most policies miss:

Standard policies do not include flood coverage. One heavy rainstorm or busted pipe and you could be paying out of pocket.

💡 Ask me about adding affordable flood insurance — even if you’re not in a “flood zone.”

Jewelry, art, heirlooms — many policies cap coverage at $1,500 per item unless you schedule them separately.

📸 Pro tip: Take pictures of your valuables and store receipts. I can help you itemize them properly.

Selling products from home or storing client info? Your standard policy likely doesn’t cover business-related losses.

I’ll walk you through a low-cost rider to protect your side hustle or small biz.

Prices have skyrocketed. If your policy hasn’t been reviewed in 2+ years, your coverage might not reflect today’s rebuild costs.

📞 Let’s schedule a free coverage review — no pressure, just peace of mind.

Thele Moore