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What things aren’t covered by home insurance

Buying a home is one of the most significant investments you will ever make. Having made that investment, you want to make sure that it is protected against all the hazards that can damage it. Choosing your home insurance is an important decision. You want a company you can count on, and an insurance agent that you know will be there for you if anything ever goes wrong. You can count on New American Insurance to be there through good times and bad.

Even though you might think that home insurance will cover anything that can damage your home, that isn’t the case. Home insurance policies have exclusions, which are things that are not covered. It is always a good idea to read your policy to find out precisely what is excluded to avoid getting a surprise when you try to file a claim.


Probably the most common exclusion from home insurance policies is flooding. Floods are such a common hazard and cause so much damage every year that it’s important to look for other coverage if you live in an area prone to flooding. Sewer backups are also included in the types of flooding that are not covered.

Earth movement

Earthquakes are excluded from most home policies. Any earth movement is excluded, which includes mudslides and sinkholes.

Preventable loss

If you don’t maintain your home and it sustains damage due to that lack of maintenance, you are out of luck. Your home insurance is not going to cover it. If you end up with termite damage, it is your responsibility to fix it. If your roof leaks and damages your ceilings and furniture, and it happens because the roof is in poor repair and not damaged by a storm, your insurance will decline to pay.

It is up to you to know what is excluded from your policy or to have a trusted insurance agency like New American Insurance to keep you informed. Give us a call with any home insurance questions you may have, and protect your biggest investment!

5 Tips to Help You Plan for Home Emergencies

September is emergency preparedness month, which means that now is the best time to think about your home, your family, and your safety.

Here are 5 things you should take some time to think about during Emergency Preparedness Month this September:

  1. Smoke and Carbon Monoxide detectors: This may seem like a no-brainer to you, but it is extremely important to make sure that the smoke and Carbon Monoxide detectors in your home are functioning properly with regular test and battery changes. The National Fire Protection Association (NFPA) recommends changing the batteries in your smoke alarm every 6 months and running a test at least once a month. If you haven’t changed the batteries or run a test on the detectors in your home in quite a while, take some time this month to give them a check for your family’s protection and your peace of mind.
  2. Important documents and paperwork: Are all of your important documents accounted for and in one safe and easy to access place? We recommend investing in a fire and weather-proof safe to hold all of the documents and paperwork that would be difficult or impossible to replace in the event of an emergency.
  3. Flashlights, lanterns, and candles: Make sure your home is well-stocked with flashlights, candles, or lanterns, as well as plenty of batteries in case of an extended power outage. Especially during hurricane and storm season, it’s important to make sure you have easy access to secondary light sources in the event of a power outage in your area.
  4. Food and water: Do an inventory of your pantry items. Would your family be well stocked in the event of an emergency that required you to shelter in place? It’s always a good idea to have a two-week supply of food and water for each member of your family readily available in case of an emergency.
  5. Emergency Plan: Does your family have an emergency plan? It’s a good idea to talk together about what you will do as a family in case of an emergency. This may include going over emergency preparedness procedures like packing a bag of necessary supplies, creating a spot to meet if you are separated, what to do in case of a fire in your home, and more.

At New American Insurance, we’re here to help you prepare for emergencies and worst-case scenarios. Creating action steps now can help you and your loved ones be better prepared and stay safe in your home. Life is unpredictable, and every homeowner should make plans and think about the basics for every “worst-case scenario.”

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