5 Top Damages That Your Home Insurance Will Not Cover

​All homeowners need home insurance to protect their hard-earned investment, especially if your home is on a mortgage. Home insurance coverage varies depending on your policy, and having insurance does not mean that you're protected against all possible problems. Here are a few potential threats that may not be covered by your policy.

Floods And Mold Damage
An overflowing river or a sudden downpour can lead to flooding and, later on, mold damage. Sadly, these are not covered by most home insurance policies. It's best to back your coverage up with separate flood insurance. However, damage due to pipes that burst inside your home is covered.   

Earthquakes, Sinkholes, Landslides
Ground movement is not covered by most insurance. But if you live in Tennessee or Florida, you need to get sinkhole coverage. If you live in an area where ground movement is common, you might find insurance companies that may get you coverage.

Pest Infestations
Pests such as termites, mice, and bedbugs are not covered by home insurance. Insurance companies consider pest control as regular upkeep and maintenance of any home and are often excluded in home insurance policies.  Therefore, at the first sign of pest problems, you should deal with the problem as soon as you can before it's too late.  

Home Repairs And Wear And Tear
Natural wear and tear of your home are not included, just like pest infestations. Again, this is because insurance companies expect homeowners to take good care of their properties. Regular home maintenance must be done to maintain your home's beauty and structure. Maintenance should be done on your home's interior and exterior, especially the roof, flooring, and plumbing.  

Wind Damage 
Homeowners located along the Gulf and Antarctic coasts may need additional windstorm coverage aside from their regular home insurance plan. Take note that even when wind coverage is part of your policy, damage due to high winds is very expensive. Consider that insurers in 19 states, including the District of Columbia, charge additional wind deductible. And instead of a specific amount, this deductible is calculated according to your home's insured value at 1 to 5 percent. 

Aside from these, insurers won't cover nuclear hazards, dog attacks, and any government action on your property. Review your home insurance policy regularly to find out if you need an upgrade.  

At Family Auto Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.