Homeowner's insurance polices are a type of insurance product needed by people who own homes, and while it covers a lot of different things, there are certain things it will not cover. In fact, here are three things that some people think are covered but are not. If you would like coverage for these things, you might be able to get it by adding coverage to your policy or by purchasing a home warranty.

Appliances

If your appliances get damaged from a disaster, such as a fire, then your policy would likely cover the cost to replace them; however, in general, homeowner's policies do not cover problems you experience with your appliances. If, for example, your refrigerator breaks and you must pay to repair or replace it, your insurance would not cover the costs. If all the food goes bad in your refrigerator, your homeowner's insurance would not pay to replace that either in this situation. If, though, your power goes out due to a storm and you lose all the food in your refrigerator, your insurance might compensate you for your losses. In general, though, insurance does not cover the cost of repairing or replacing any of your appliances if they stop working.

Systems

Homeowner's insurance also does not cover the costs for repairs or replacement of the systems in your house. This includes your HVAC system, plumbing system, and electrical system. If you have problems with any of these systems, you will have to pay for the repairs out of your pocket, as insurance policies do not offer coverage for these things. If you experience damage to these things from a fire, or something else covered by your policy, then your policy would compensate you for damages.

Wear and tear

The other thing to realize is that wear and tear of your house is never something that will be covered by a homeowner's insurance policy. As the owner of the house you live in, you are responsible to pay for all the normal costs to repair and replace things in your house as needed, and you should aim to provide all the necessary maintenance your house needs, simply to protect it.

While a typical homeowner's insurance policy will not cover these things, it will cover a lot of other things. To make sure you have the right coverage for your home and its needs, contact a home insurance agency to update your policy every year.