Things home insurance won’t cover

Home insurance provides a safety net that homeowners count on to get them through good times and bad. Home insurance does offer a lot of protection, but there are some things that it just won’t cover. At AHI Group in Olathe, KS, our team knows home insurance, and we provide our customers with the information that they need to protect themselves as completely as possible. 

Things home insurance won’t cover

Expensive jewelry

One thing you need to do is to read your home policy to find out how much jewelry coverage you have. In most cases, it will be a shock to find that you have very little. You can add a rider to your policy to give you the coverage you require to make sure your jewelry is covered. 


Another thing you need to check is your electronics coverage. If you are like most people, you have quite a few electronics and basic home insurance coverage is low. You can also add a rider to give you this coverage. 


Flooding causes a lot of damage, and if your home gets flooded, your home insurance won’t cover the damage. Luckily, if you are at risk, you can get flood insurance through the NFIP. 

Earth movement

Earthquakes, sinkholes, land, and mudslides are all excluded from your home insurance coverage. Again, if you feel you are at risk, you can buy an additional policy to cover this. 

Owner neglect

As a homeowner, you are responsible for maintaining your home. Home insurance won’t pay for things that just wear out or for a roof that has become leaky because it is old. Termites are not covered, you need to get termite treatment to protect yourself. 

Give Us A Call

Contact AHI Group in Olathe, KS when you need information or a home policy review. You can reach us at our office or give us a call.