Topic hub
Coverage gaps — the hidden risks in your policy.
A coverage gap is anything your policy quietly doesn't cover — or covers at a limit too low to matter. Most homeowners have at least three. This hub is the complete map: what each gap is, what it costs, and how to find it on your own declarations page.
All guides in this cluster
Topic Hub: Coverage Gaps
Every coverage gap we see, in one place.
Read moreSewer Backup Coverage
The $40/yr endorsement that turns a denied claim into a paid one.
Read moreMatching Coverage
Why your claim replaces one slope, not the whole roof.
Read moreRoof Exclusions Explained
Wear & tear, cosmetic, age caps — every exclusion that shrinks a roof claim.
Read moreDoes Homeowners Cover Sewer Backup?
Short answer: no — unless you have the endorsement.
Read moreWhat If Rebuilding Exceeds My Coverage?
Extended RC, guaranteed RC, and the gap most policies leave open.
Read more7 Hidden Coverage Gaps
The most common gaps we find when reviewing real policies.
Read moreWater Backup Coverage
The $50/year endorsement that covers $25k of damage.
Read moreOrdinance & Law Coverage
Why current building codes can blow past your dwelling limit.
Read moreCommon Homeowners Exclusions
What standard HO-3 policies quietly don't cover.
Read moreWater Damage vs Flood
The distinction that decides whether you're covered.
Read moreHow Much Homeowners Insurance Do I Need?
The four limits that decide if you're underinsured.
Read moreHow Much Dwelling Coverage Do I Need?
Rebuild cost vs market value — what your limit should be.
Read moreDwelling Coverage vs Market Value
Why they're different and which one matters for a claim.
Read morePersonal Property at Replacement Cost
ACV vs RCV on contents — what changes at claim time.
Read more7 Hidden Coverage Gaps
The gaps almost every homeowner has at least one of.
Read moreCalculators for this topic
Find out if your policy has this gap — before a claim.
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