Beware of coverage loopholes like whose property is NOT covered under your Homeowners Policy.
Are Domestic Partners and their "stuff" Covered under a Homeowners Policy?
Let's look at who is considered an insured on your homeowners Insurance Policy?
If a couple has been living together at least a year then one of our companies allows
the Domestic Partner Endorsement on for free but your agent has to be aware of this to
even let you know about it. You should let your agent know if you have a domestic partner.
It is your responsibility to read your policy and know
who is considered an insured.
If you are living with a significant other then ask if there is an endorsement called Domestic Partner
Endorsement. You would not want your significant other's cloths, furniture, jewelry (careful about how much jewelry is covered without scheduling it!), computer, TV etc
not to be covered if there was theft, fire and other perils...would you?
It is very clear in homeowners policy language whose stuff is covered.
From A Mass Homeowners Policy:
DEFINITIONSA. In this policy, "you" and "your" refer to the "named
insured" shown in the Declarations and the spouse
if a resident of the same household. "We", "us"
and "our" refer to the Company providing this insurance.
5. "Insured" means:
a. You and residents of your household who are:
(1) Your relatives; or
(2) Other persons under the age of 21 and
in the care of any person named above;
b. A student enrolled in school full time, as
defined by the school, who was a resident
of your household before moving out to attend
school, provided the student is under
the age of:
(1) 24 and your relative; or
(2) 21 and in your care or the care of a
person described in a.(1) above; or
C. Coverage C – Personal Property
1. Covered Property
We cover personal property owned or used by
an "insured" while it is anywhere in the world.
After a loss and at your request, we will cover
personal property owned by:
a. Others while the property is on the part of
the "residence premises" occupied by an
b. A guest or a "residence employee", while
the property is in any residence occupied by
Every company may be different so read your policy.
The easiest way to look up what you want to know is get your policy in PDF
format on your computer and search the document by control F.
Then type in the word you are wanting to know more about or the coverage
you want to know about.
Call us at Universal Insurance Agency and let us help with your coverage on Home, Auto and Business
Did you know about these Typical WATER
Exclusions in most Homeowner Insurance Policies?
(1) Flood, surface water, waves, tidal water,
overflow of a body of water, or spray from
any of these, whether or not driven by wind;
(2) Water which backs up through sewers or
drains or which overflows from a sump;
(ask about an endorsement that can be added)
(3) Water below the surface of the ground,
including water which exerts pressure on or
seeps or leaks through a building, sidewalk,
driveway, foundation, swimming pool or
If you study your homeowners policy you will find the following comforting words.
Direct loss by fire, explosion or theft resulting
from water damage is covered.** Yeah!!!
Do not blame your agent for the way the Homeowners policy is written.
The Us Government is in full cooperation on the issue of excluding Flood Coverage
on Homeowners Policies. A great site to learn more is https://www.floodsmart.gov/floodsmart/
The point is people may not realize what is and is not covered when it comes to water and
I believe it is better to research if your policy has an endorsement for some of the water issues
or if you do not have the coverage.
You,the insured, are ultimately responsible to read your policy (but how many take the time until it is too late?)
Exclusions are usually found on around page 115 or so. If you download your policy as a PDF
you will easily find any search term by Control F within the PDF of your Homeowners Policy.
Knowledge is power so keep your policies on your computer.
Ask your agent about a Flood Policy from FEMA if you worry that some of the above exclusions could
cause serious financial hardship.
For more insight into Homeowner Policy Exclusions follow our other blog titles to come.
Author- Diane Goselin- Massachusetts Licensed Insurance Agent
Tags: water exclusion on homeowners policy, exclusion, exclusions, homeowners policy, home policy, insurance, massachusetts, mass, home insurance quote