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5 Ways Your Home Might Not Be Covered by Insurance & What to Do

By Mike Wheatley | November 24, 2016

No one wants to find themselves struggling with major damage to their home and nowhere to turn for help. Here are a few unfortunate situations that might not be covered by your homeowner’s insurance policy and what you can do to protect your home and family.


Termite Damage

Most insurance providers do not cover issues they believe are preventable, and that includes termite damage. As an alternative to expanding your coverage, you should contact your local exterminator at least twice a year for preventative services. They can also protect you against other common pest problems such as bed bugs, wasps, and rodents.

A Home Office

Homeowners insurance does not typically cover any items you use for business in your home unless you have a dedicated policy. Those who are thinking about running a business from their home should speak with their provider about expanding their coverage. In many cases, running a commercial enterprise out of a home without notifying the insurance company will void the business owner's current insurance policy.


Homeowners often assume their insurance covers most natural disasters, but the average policy does not cover floods. Flood damage is especially devastating and often requires professional renovation help from places like First General Services to take care of issues such as mold, mildew, and lingering odors. These are just a few of the reasons why homeowners should take some time to research their local environment to see if there is a high risk of flooding.

Animal Bites and Scratches

Before buying a pet, you should first take a look at your insurance policy to see exactly what is covered. By expanding your coverage, you might even be able to protect yourself against lawsuits if your pet escapes the yard. Without this type of coverage, a single bite or scratch could cost you tens of thousands of dollars.

Sewer Backup

Modern plumbing systems are incredibly durable, but homeowners should always err on the side of caution when it comes to broken sewer lines. At the very least, you should hire a plumber to inspect your plumbing system to see if it is damaged and needs to be repaired. If it does, ask your plumber if Trenchless Sewer Lateral Repair is an option; it's much less intrusive and less expensive.

Just like all of your other insurance policies, you want to be sure that your homeowners insurance will protect you when you need it the most. If your policy does not cover any of these situations, then you might want to speak with your provider to discuss expanding your coverage.

About the author: Hannah Whittenly is a freelance writer and mother of two from Sacramento, CA, writing on behalf of First General Services. She enjoys kayaking and reading books by the lake.

Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected].
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