Taking proper care of your home can keep you from having to pay for costly repairs your homeowner’s insurance won’t cover.

Many things that aren’t covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Also make sure to take care of your personal objects and animals, hence they’re not covered as well.