Meta Title: Home Insurance Coverage in USA, UK & Canada – What’s Included and What’s Not (2025)
Meta Description: Find out what home insurance actually covers in the USA, UK, and Canada. Learn the most common exclusions and how to avoid claim rejection.
Introduction
Home insurance is a must-have for homeowners and renters, but not everything is covered. In this guide, you’ll discover what’s included, what’s not, and how it varies across the USA, UK, and Canada.
What’s Usually Covered
- Fire and smoke damage
- Theft and vandalism
- Water damage from burst pipes
- Liability for injuries
- Temporary accommodation if your home is unlivable
What’s Not Covered
- Flooding (requires separate policy)
- Earthquakes (extra in high-risk zones)
- Termite or pest damage
- General wear and tear
- Power outage food loss
USA
Flood and earthquake coverage require separate policies. Base insurance covers fire, theft, and liability. Providers: State Farm, Allstate.
UK
Buildings and contents insurance sold separately. Flood is often covered depending on the region. Providers: Aviva, Direct Line.
Canada
Fire, theft, and weather-related damage included. Flood coverage available as an add-on. Providers: Intact Insurance, Square One.
Final Thoughts
Always read the exclusions. Customize your home insurance policy to match your home’s location and value. Consider adding flood or earthquake coverage if you’re in a risk-prone area.