Things that home insurance doesn’t cover

Home insurance protects your home from some of the hazards of life. It protects from fire, strong winds, vandalism, and theft. The liability coverage protects you from legal action that may happen as the result of an injury to someone who is visiting your home. You may feel confident that you are completely protected with your home insurance but you would be incorrect. All home insurance policies have exclusion and you may be in for an unpleasant surprise if you are not aware of the things your policy doesn’t cover.  At The Wurzel Agency in Oviedo, FL, we try to make sure that all of our customers know exactly what their policy covers and more importantly what it doesn’t cover. 


Even though floods are one of the most devastating natural disasters, home insurance does not cover flooding that originates outside your home. If a pipe inside your house burst that is a different kind of flooding. If you live in an area where flooding is a potential danger you can get flood insurance through the National Flood Insurance Program. 


If you live in an area that is prone to hurricane damage make sure that you have hurricane coverage. It usually has a different deductible than the rest of your policy and has its own specific limits. Read your policy carefully to avoid misunderstanding. 

Termite damage

If your home suffers from termite damage, the damage will not be covered by home insurance. It is the expectation of the insurance company that you will maintain your home and getting your home treated for things like termites is part of that maintenance.

Earth movement

Earthquakes, mudslides, and sinkholes are all types of earth movement that are not covered by typical home insurance. You can however by a rider or separate policy to cover them. 

Contact The Wurzel Agency in Oviedo, FL for all your insurance needs.