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Things home insurance doesn’t cover

Understanding Home Insurance Exclusions

A comprehensive home insurance plan can provide peace of mind, but it is crucial to be aware of the exclusions within your policy. At Oak Ridge Insurance Services in Oak Ridge, NC, we prioritize our customers by offering tailored solutions that are the best fit for them.

Typical Exclusions of Home Insurance

Certain eventualities aren’t covered under traditional home insurance, including:

  • External Flooding: Flooding that originates outside your home does not fall under the purview of standard home insurance. However, you will be covered for flooding resulting from internal issues, such as broken pipes. Homeowners in risk-prone areas can opt for flood insurance from the NFIP.
  • Wear and Tear: It’s natural for elements of your house, like roofs and siding, to experience wear and tear over time. Unfortunately, these aren’t covered under most home insurance policies.
  • Natural Disasters: Damage due to earthquakes, sinkholes, or landslides isn’t typically covered by regular home insurance policies. Specific policies can be taken for these.
  • Owner Neglect: If damage is caused due to neglected home maintenance, your home insurance is unlikely to cover it.

To find the right coverage for your home, reach out to Oak Ridge Insurance Services in Oak Ridge, NC. Allow us to assist you in finding comprehensive and suitable home insurance.

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