Your home could potentially sustain damages from incidents not included in standard homeowners insurance policies, such as:
Floods or earthquakes are not typically included in standard homeowners policies, but residents living in certain areas or conditions may find particular benefit from adding coverage for these events.
Expensive belongings or high-risk items—such as swimming pools or trampolines—may make it prudent to acquire additional coverage for termite and insect damage, rodents or mold.