Homeowners insurance is one of those things you want to have but hope you never need to use. The fact of the matter is that your homeowners insurance is there in case the worst happens. Unfortunately, it doesn’t always cover everything.

Of course, you probably already know that. In most cases, you need an extra rider on your homeowners insurance policy to cover things like earthquakes and flooding. There are plenty of other things that your homeowners insurance just won’t cover, too. Here are a few disasters that you can probably avoid, and that won’t be covered if you don’t avoid them:

• Meth Lab Explosion. OK, look. We understand that you feel the need to pretend like you’re a mad scientist and make your own socially-destructive drugs. The good news for us is that meth lab explosions are often fatal. The bad news for you is that, if you live through your meth lab explosion, your insurance policy isn’t likely to cover it.
• Elephant Stampede. In most countries, an elephant stampede just isn’t a likely occurrence. It would require some malicious person to first round up a herd of elephants from zoos and circuses, probably in a 500-mile radius. They would then have to get the elephants to stampede. Most homeowners insurance companies are likely to see this as an act of terrorism or an act of God. In either case, you’re probably going to be out of luck.
• Tornado Trip to Oz. For those that wonder if Dorothy’s trip was real, consider this: her house went with her to Oz. When she clicked the ruby slippers, she was back in Kansas, in her house. How did the house get back? We may never know. You can rest assured that Auntie Em’s homeowners insurance didn’t pay to have it moved back.

Make sure to check your policy and talk to your agent about what is and what is not covered. You can always add coverage if you think you’re likely to face a flood or be struck by meteors hurled toward the earth from alien spacecraft.

Photo via Bexy Wood