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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!

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