Four Things Home Insurance Plans Don’t Cover

The Catawba River Insurance Group • January 15, 2025

Having home insurance offers you the peace of mind and financial protection you need. The coverage it provides is also a point of interest for mortgage lenders, who want to ensure they are accounting for the appropriate amount of risk when offering you a loan. However, although home insurance policies are designed to cover a wide range of situations and home features , there are some specific things that your plan might not cover.

To help you fully understand your home insurance options, it’s crucial to understand what factors aren’t covered in most basic insurance plans. Here are some common factors that your current policy might not protect:

  • Natural Disasters – Most home insurance policies do not cover natural disasters like floods, earthquake, or landslides. For natural disasters, you will need to purchase specialized insurance to get coverage for any damages that may result.
  • Pest Damage – A typical home insurance policy will not offer coverage for damage caused by termites, other insects, mice, rats, bats, and other pests.
  • Certain Types of Water Damage – Water damage caused by a burst pipe or a ruptured water heater may be covered by your home insurance, but water damage resulting from backed-up sewer lines or overflowing sump pumps is not covered.
  • Wear and Tear – Home insurance will not cover repairs for wear and tear. You are expected to do proper home maintenance to prevent wear and tear instead.

If you need home insurance , contact The Catawba River Insurance Group and we will assist you in finding the right plan.

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