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. 

Get Home Insurance Today

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.