Common Risks Not Covered by Typical Home Insurance

Your home insurance from Tim Huber Insurance covers your dwelling, belongings, and protects you against liabilities. Unfortunately, your home insurance doesn’t cover you against everything. As such, you need to know about your home insurance exclusions to save you heartache and money down the line.


While floods are one of the most common natural disasters in America, the bad news is that your typical home insurance doesn’t cover flood damage. However, the good thing is that you can purchase a stand-alone flood insurance policy from the National Flood Insurance Program (NFIP) or private carriers to cover your home against floods.


Your home insurance doesn’t typically cover earthquakes and other earth movements. However, you can purchase an endorsement to protect your home against earth movements.

Maintenance issues

If your home is infested by mold and pests, home insurance doesn’t cover any ensuing damage. Similarly, if you file a claim to get compensation for normal wear and tear, your claim is likely to be voided by your insurer.

Also, if food put in your refrigerator spoil due to power loss, you won’t be compensated for the loss.

Valuable properties

Your standard home insurance provides limited protection for your high-value items like jewelry, fur, and guns. For instance, most home insurance policies cover jewelry theft up to a maximum of $1,000. Suppose you have jewelry with a value of $8,000. With $1,000 coverage, you will have a significant amount of uncovered loss.

Government actions

Your insurer isn’t responsible for your government’s actions. For instance, if the government confiscates your assets or seizes the land where your home is located, home insurance won’t come to your rescue.

Learn more about home insurance in St. Augustine, FL 

Need more information about the ins and outs of your home insurance policy? Please get in touch with Tim Huber Insurance.