Rhode Island Homeowners FAQ: What will homeowners insurance not cover?
This depends on the type of coverage your purchase. Talk to your Rhode Island homeowners insurance agent because chances are you will be able to purchase whatever additional coverage you need. There are also two things that are handled very differently than rest of your policy. Flood and earthquake damage. These will have to be purchased separately. There are areas that are considered high risk for wind damage and damage due to storms and wind damage insurance will cost more in these areas. Liability insurance in case of dog bites may not be covered by your policy. If you own a breed of dog that has a history of being aggressive there is no guarantee of coverage, even if you have dog bite insurance. Certain breeds of dogs are excluded in these policies. Be sure to ask your agent for all the details.
