Yes. Termite, insect, and rodent damage is not covered by insurance. Rot, mold, and mildew aren’t covered, either. These are the results of negligence in not properly maintaining the house. If damage stems from ordinary wear and tear on the house, then it won’t be covered by home insurance. What else isn’t covered? Town & Country Insurance in Buford, GA will tell you all about it.

What Isn’t Typically Covered Under Home Insurance?

Identity Theft

When we think of home insurance, we think of catastrophes like fire, floods, and earthquakes. What we don’t think of is identity theft. No insurance covers that.  

Dangerous Dog Breeds

Depending on how certain breeds of dogs are raised (with love or with anger,) they either cuddle or bite. For instance, we’ve had pitties that thought they were lap dogs, but they frighten everyone else. Forget home insurance if you have a “dangerous” dog.

Home-Based Businesses

Running a daycare or running a puppy training program in your home could result in damage to the home. While toddlers and puppies are fun and cuddly, they also chew on the oddest things. Don’t expect home insurance to help.

Nuclear Hazards

Nor do we think of nuclear hazards in connection with home insurance. There’s a nuclear power plant near dozens of major cities. If something happened to the inner workings of the plant, it could mean an explosion. It would mean radiation. Unfortunately, your house won’t be covered. 

War

We’ve all seen the pictures on the news of war in the Middle East and other areas. The houses are shot up, on fire, or just demolished. If war should land on our shores, home insurance would disappear.

Give Us A Call

Town & Country Insurance in Buford, GA knows what is and isn’t covered by home insurance. Drop by today or call to discuss it with our insurance professionals.