What does a common homeowners policy typically exclude?

A common homeowners policy typically excludes water backup coverage because this type of coverage pertains to damage caused by water that backs up through sewers or drains, which is not included in standard homeowners insurance. While many homeowners policies provide coverage for related water damage (like fire or theft), water backup specifically is considered a separate risk that necessitates additional coverage.

This exclusion is important because it highlights the need for homeowners to assess their specific risks and consider purchasing additional endorsements or separate policies for comprehensive protection. Many insurers offer separate policies or endorsements that specifically address water backup risks, allowing homeowners to tailor their coverage to their needs.