Things that home insurance won’t cover

Protecting your home with the right home insurance is essential to maintaining your financial security. Home policies do have limits and exclusions and it is important that you familiarize yourself with what they are. At Avail Insurance Solutions LLC, we service customers in California, Oregon, Arizona, and Nevada. As independent insurance agents, we are able to offer our customers more choices. 

Home Insurance  Exclusions


The average yearly amount of damage caused by flooding is more than $800 million. Sadly, home insurance doesn’t cover any of it. But all is not lost. The National Flood Insurance Program offers two flood insurance types; property and content. If you live in an area in danger of flooding, you can get one of these policies. If your flooding is the result of burst pipes in your home, this is covered by home insurance. 

Earth movement

Earth movement includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, chances are your home insurance won’t cover any resulting damage. As with flood insurance, you can add separate coverage to protect you from the damage caused by earth movement. 

Owner neglect

As a homeowner, you have a responsibility to maintain your home. Maintenance means making sure that if termites are a potential danger where you live, and that includes much of the US, you need to get your home treated and get a termite bond. Your home insurance won’t cover the damage. You also need to replace your roof when it gets old and if it wears out and leaks, the damage won’t be covered. 

Sewer backup

Is anything more disgusting than a sewer backup? Not much and even worse than that, it won’t be covered by your home insurance policy unless you have a special rider to cover it. 

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Help us find you the right policy for the coverage home insurance does provide. Contact Avail Insurance Solutions LLC for your home insurance needs in California, Oregon, Arizona, and Nevada.

Getting Home Insurance For Your Household

If you are a first-time homebuyer, it’s likely that your mortgage lender will offer you a mortgage rate that is lower than your house payment. In this scenario, you probably won’t be able to afford home insurance. If you’re close to retirement, you might be able to get a home insurance policy for less than your monthly retirement income. For inquiries in California, get in touch with Avail Insurance Solutions LLC.

What To Know About Home Insurance

For low-income households, the government offers help with the cost of homeowners insurance through the Low-Income Homeowner Program. If you’re unable to purchase insurance through the marketplace due to a medical condition or other situation, you can still receive help. Contact your state’s insurance department to learn about providers that offer discounted coverage for low-income households. 

Contact your local or state health department or housing authority for help. There are also options like buying renter’s insurance or earthquake coverage to protect your home. There are also things you can do like reducing your risk by keeping your home clean, fixing any issues that could lead to a claim, and keeping a low profile. If you are looking for cheap home insurance, start by checking if you qualify for a low-cost or no-cost option. There are options like the Health Insurance Marketplace or the state health insurance for those with a low income. 

Not being able to afford home insurance can happen for a number of reasons, including being under the age of 18, being in debt, or having a low income. If you find yourself in this situation, we recommend reaching out to a credit counselor to get help with paying off your debt. Another option is to consider receiving homeowner’s disability insurance to protect your home in case of an unforeseen event. This type of coverage can help cover the cost of repairs if you can’t work due to an injury or illness. 

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If you can’t afford to buy homeowner’s insurance, there are other ways you can protect your home and belongings. Avail Insurance Solutions LLC in California is here to assist with any insurance queries.

Basic Home Insurance Facts To Consider

Avail Insurance Solutions LLC provides coverage to California residents. We strive to help our clients find policies that align with their individual needs. We assess each of our client’s personal situations. This allows us to locate custom policies that will help meet their needs over a long period of time. We work closely with multiple carriers throughout the Pacific Northwest.

Basic Home Insurance Facts To Consider

Your California residence is one of your most prized possessions. Home insurance helps cover your asset against potential disasters. The policy covers the interior and exterior of your home against possible damage due to a fire or natural disaster. All of your possessions inside the home are also covered if they are stolen or damaged. However, you may need to amend your policy in order to maintain full coverage if you have a lot of luxury items such as paintings and furs in your home. It’s recommended that you take inventory of your personal items.  Liability coverage protects you if a guest is visiting your property and suffers an injury. This also covers any accidental damage caused to your neighbor’s property by you or your pet.

Look over your policy carefully. While your home is covered against potential water damage, that does not include any damage to your home caused by a flood. You can add flood insurance as another layer of protection. Alternative living coverage can assist you in emergency situations as well. If your home suffers extensive damage, alternative living coverage helps you find a temporary place to stay until your home is repaired. This helps alleviate a lot of stress during a troubling time.

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