Five Common Risks Not Covered By Home Insurance

Your home insurance covers many perils, but it may fall short in covering certain risks. However, you can purchase additional coverage for these exclusions to safeguard your house entirely. In that case, you need to understand what’s not covered by your standard home insurance to identify the gaps and buy additional coverage. Kimble Brown Insurance Agency has prepared for you the common risks your home insurance doesn’t cover.


Your standard home insurance doesn’t cover damage or loss caused by floods. If you live in an area prone to floods, you must consider a separate flood insurance policy. Flood damage can be very costly. It would be best if you planned for such uncertainty.

Earth movements

Your typical home insurance policy does not cover damage caused by landslides, earthquakes, and mudflows. And just like floods, damage caused by earthquakes can be very expensive, thus the need to buy a separate policy to cover the same.


Protecting your home from infestations is essential as your home insurance excludes damage through infestations. Some infestations include termites, bedbugs, mice, and other vermin. You, therefore, have to cater for remediation and eradication costs brought by infestations.

Wear and tear

Your home insurance covers accidental occurrences such as fire, theft, and storms but not general wear and tear. As a homeowner, you should perform maintenance to prevent your home from slipping into bad shape. You can avoid this by maintaining roofs, replacing worn-out floors, and repairing leaking pipes.

Act of war and government action

Your home insurance won’t pay for damages caused by civil, nuclear, declared, or undeclared war. Likewise, if the government destroys your home or belongings, your home insurance is not liable.

Home Insurance in Southlake, TX

Knowing and planning for these exclusions might protect your finances when a disaster strikes. Ready to purchase your home insurance in Southlake, TX, and its surroundings? Contact us at Kimble Brown Insurance Agency for an affordable quote.