Things home insurance won’t cover

When you have home insurance, you may feel that you are covered against anything that might happen to your home. But you are wrong; like most insurance policies, home insurance has exclusions. At Allied Brokers Insurance Agency Inc. in Palo Alto, CA, we encourage our customers to read their home insurance policy so that they are informed about the exclusions that are included with their policy.

Home Insurance Exclusions

Earth movement

Earth movement covers several different natural disasters, it can be an earthquake, a sinkhole, a landslide, or a mudslide. None of these are covered by a home insurance policy. You can however add the coverage with an additional policy.

Floods

Floods are one of the most damaging of all natural disasters and only an inch of water in your home can cause thousands of dollars in damage. They also are not covered by traditional home insurance. If you live in a flood plain, your lender will require that you have flood insurance, and if there is any danger you could flood it is worth having this essential coverage.

Sewer backup

A sewer backup is quite disgusting and can cause a terrible mess, and if that all wasn’t enough, it isn’t covered by your home insurance. A rider can be added to your policy to cover it.

Owner neglect

Your home insurance carrier expects you to maintain your home. That means getting a termite bond if you suspect there are termites in your neighborhood. It means replacing your roof before it leaks and damages the interior of your home. Wear and tear is not something that is covered by your home insurance policy. If you don’t maintain your home, the damage that results is considered your problem no the insurance company.