Does Homeowners Insurance Cover Foundation?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Yes, if the damage is due to a covered loss. Typically this will only come into play when rebuilding the home as the foundation may need to be replaced along with the home ( normally when your reconstruction cost is calculated it also includes whether or not you have a basement ) or if your home has an exposed foundation. I encourage you to read your policy completely to understand what is covered and what the exclusions are or contact your local agent to have them go over your policy coverage and exclusions.

   Answered on May 10, 2013

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