These Events Are Not Covered in a Standard Homeowners Insurance Policy, According to Mercury Insurance

Floods, Earthquakes and Detached Structures Require Additional CoverageLOS ANGELES, June 25, 2025 /PRNewswire/ -- While it's important to know what events are covered in your homeowners insurance policy, it's equally important to know what events are not covered. One of the biggest misunderstandings many policyholders have is the belief that, if their home is damaged or destroyed, their homeowners insurance policy will cover the cost of everything.Understanding what your policy does — and does not — cover i ...