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Pennsylvania Homeowners Insurance, what EXCLUSIONS apply?

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Have you ever really read your Pennsylvania Homeowners Insurance Policy?  If so, then you may be familiar with what’s covered under a typical homeowner’s policy.  Some coverage’s vary, depending on the type of homeowners insurance you have, however, there are certain Exclusions that apply to every policy, are you familiar with them?

Normally, most insurers will not provide coverage for a loss caused directly or indirectly by any of the following, with a few exceptions.

  • War – Any damage caused by acts of war
  • Nuclear Hazard – Reaction, radiation or radioactive contamination
  • Earth Movement – earthquake, landslides, subsidence
  • Neglect of/by property owner
  • Water Damage – Specifically flood or surface water
  • Intentional Acts by the insured
  • Wear and Tear – Maintenance issues, deterioration, or corrosion

Although this is not a complete list, it gives you an idea of what not to EXPECT your Pennsylvania Homeowners Insurance policy to cover.  There are endorsements available that you can add to your policy to get coverage for some of the exclusions, such as earthquake or subsidence coverage or separate policies such as Flood Insurance. Contact your agent for further details.

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