Things home insurance won’t cover

Home insurance allows you to sleep at night. Otherwise, worrying about all the bad things that could happen might keep you awake. In spite of all the things it does cover, home insurance does have exclusions, so you are not quite as safe as you may think. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we try to make sure all of our customers have the right home coverage and are aware of the exclusions. 

Home Insurance Exclusions


If your house is overrun with rodents or being eaten by termites, it can be overwhelming. It is also not covered by your home insurance. This is one of those things that you need to treat before it does any damage. You must maintain your home and get termite treatment, and an exterminator is part of your responsibility as a homeowner to maintain your home. 


Floods have become a more common occurrence as the climate has been changing. Places that have never seen a flood before have been flooded. The danger is real, and the damage can be devastating. Unfortunately, home insurance won’t cover flood damage to the house or to the content.  If you want to have coverage, you can get it from flood insurance through the NFIP. 

Earth movement

When the earth moves underfoot, whether it is an earthquake, a sinkhole, a mudslide, or a landslide, it isn’t covered by home insurance. You can get an additional policy to take care of these issues. Be sure to ask your insurance agent about it. 

Wear and tear

Home insurance is not designed to cover the normal wear and tear that happens to homes. Things like roofs getting old and furnaces dying. These are things, as a homeowner, you need to budget for because they will happen. 

Give Us A Call

Contact Walker and Associates Insurance Agencies Inc. in Fillmore, NY when you are in the market for home insurance.