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5 Things Your Home Insurance Might Not Cover
June 13, 2025
1:41 PM
Even the most beneficial Home insurance policy excludes some factors from the coverage plans. Here are the things that will possibly not be covered by Home insurance.
Intentional Acts by the Policyholder:
If the policyholder or their representative caused the damage or loss, the insurance may not cover it. In fact, you may face prosecution for allegedly attempting insurance fraud. Besides this, damages due to the acts of negligence by the homeowner are also not covered by the insurance.
Radioactive Contamination:
If your home is located in a radioactive zone or near nuclear power centers and radiation causes damage to it that may not be covered by your Home insurance policy. Nuclear power companies mostly have their liability insurance facilities, so regular Home insurance does not involve any claim related to nuclear radiation damages and losses.
War or War-like Scenarios:
When a war, an invasion, or other similar situations take place, Home insurance may not be applicable to cover damages in the homes. Whether it is declared or undeclared war, civil war, or any nuclear war, the risks are strictly excluded from the policy. Despite the possible catastrophic consequences of wars, you may not claim coverage to repair and replace the damaged property.
Mold and Pest Infestation:
If your home is affected by vermin, including termites, rodents, and insects, and you opt for remediation and pest control procedures, Home insurance is likely to exclude the costs of the processes. Additionally, if your home’s walls and ceilings catch mold, it may not be included in the Home insurance coverage if the reason for the mold is unknown. If the mold is caused by any covered peril, such as heavy rainfall or a storm, you can file a claim.
Governmental Actions:
Legal ordinances or court orders can sometimes lead to the partial or complete demolition of house structures. In such a scenario, the acts of government authority or government-approved third parties may cause damage or loss to the property or the content inside it. Bound by certain regulations, you cannot file a claim to cover the loss or damage.
Besides these, common wear and tear during maintenance, earthquakes, etc., can also be a part of the exclusions. Even the strong wind can be an uncovered peril for homes in storm-prone areas. Hence, it is extremely important to discuss the coverage in detail before obtaining the policy.
About CoverB
As a one-stop destination for all types of insurance needs in the UAE, CoverB helps obtain a wide range of insurance policies, including Home insurance. Any homeowner can obtain preferred insurance policies effortlessly with the help of CoverB experts.
Final Words
Designed to protect your home from accidental losses and damages, Home insurance helps you deal with the issues associated with the possible risks for your home. However, without learning properly about the inclusions and exclusions, you cannot leverage the benefits of the insurance.
