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personal liability insurance for girl jumping on her trampoline

Common Home Insurance Policy Exclusions

“Home is the most popular, and will be the most enduring of all earthly establishments.” -Channing Pollock

If a wild animal sneaks into your home and wreaks havoc or a plane lands on your house, chances are your home insurance will cover it. Technically, the animal vandalized your home, and a plane is a falling object. The average home insurance policies cover both those things. There are things that are usually not covered that may surprise you.

  • Pools and hot tubs are an ‘attractive nuisance,’ and even if they are safely fenced, some homeowner policies will not cover either one.
  • Trampoline injuries aren’t covered by insurance. In fact, just having a trampoline on your property is reason enough for some companies not to insure you at all.
  • Treehouses might be covered as an ‘accessory structure,’ but most providers will not cover them.
  • High-risk dog breeds such as pit bulls might not be covered under many policies if they injure someone, even if the homeowner has liability coverage that protects against dog-related injuries.
  • Stolen or destroyed cash over $1,000 isn’t covered.
  • Sewer backups are not covered under water damage in an insurance policy. Water damage in policies refers to water line breaks, if your appliances overflow or leak, or if hail or the wind causes a hole in your home through which water enters and causes damage.
  • Nuclear accidents are a standard exclusion.
  • Sinkholes are ‘earth movement’ just like earthquakes, so insurance doesn’t cover them.

Specialized personal liability coverage added to your home insurance policy will ensure that your earthly establishment is fully covered. Contact us, we will show you how.


Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.