The purpose of homeowners insurance, which is also known as hazard insurance is to provide protection, coverage and liability to a homeowner. This is a binding contract between you and your insurance company and like any other contract it is always important to know what you are investing in so you should thoroughly read your policy before signing on the dotted lines. There are many things that your policy will cover and there are also general exclusions, but medical conditions are not normally included in your policy. The reason for this is the purpose of homeowners insurance is to protect your home.

The question of medical conditions that makes you more at risk for homeowners insurance can fall under liability. There is no actual medical condition that you can have that will exclude you from a policy but there are things that you can purchase for your home or additional family members such as pets that warrant extra coverage because your policy can be affected by them due to the medical conditions they can cause.

If you own a Pitt Bull, Rottweiler, Wolf Hybrid, Malamute, Doberman, German Shepard or Husky, you would need to negotiate additional coverage or insure that your policy will protect you because these are high risk animals that are known for biting. Insurers will also increase rates or add exclusions to policies due to owning a swimming pool, a spa, or a trampoline because these are all high risk items that cause serious injuries and high medical bills and are considered a detriment to your insurance company.

Homeowners insurance is put in place to protect you from the unexpected. Only 1 percent of homes across the United States have ever been denied coverage due to being “uninsurable”. If you are denied insurance the first step is getting to the root of the problem and asking the insurance company why you were denied and the second step is fixing it. IF you are ever denied coverage due to a medical condition, you have grounds for a law suit. Personal health has no bearings on protecting your property.