Things that home insurance won’t cover

Owning a home is part of the American dream. Keeping that home safe is vital to your financial security. Home insurance offers a lot of coverage, but, like most types of insurance, there are exclusions. At Integra Insurance Services in Huntington, TX, we know our customers, and we will ensure that you have the coverage that will give you the protection you need. 

Earth movement

If you live somewhere with the possibility of an earthquake and damage to your home, you won’t be covered with your traditional home insurance. In addition to earthquakes, mudslides, landslides, and sinkholes are not covered. The good news is that you can purchase additional insurance that will provide you with that coverage. 

Owner neglect

Your carrier has expectations that you will maintain your property. That means doing needed repairs before they lead to damage to your home. Things like a leaking roof that isn’t the result of a high wind event won’t be covered, nor will any damage to the interior of your home. If you get termites, you are responsible since you should have your home treated. 


Floods affect so many areas these days that they are a real danger to many homeowners. Your home insurance will not cover surface water. If your house gets flooded due to a broken pipe in your home, that is a different matter. You can purchase flood insurance through the National Flood Insurance Program to protect your physical home and content.  

Sewer backup

A sewer backup is one of the most disgusting things that can happen to your home. Even more appalling is that your home insurance doesn’t cover it. 

Contact Integra Insurance Services in Huntington, TX when you are ready to discuss your home insurance policy and coverage.