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A SURVEY by the National Association of Insurance Commissioners has found that many people believe their homeowners’ insurance covers losses that are not, in fact, covered.

68 percent believe vehicles stolen from or damaged on their property are covered

51 percent think their policy covers damage from a break in the main water line outside their houses

37 percent think damage from a broken sewer line is covered

34 percent assume mold damage is covered

31 percent think damage from termites or other infestations are covered.

If you run a business out of your home, you should consider adding a business insurance policy to cover any extra liability involved with your business.


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