Insurance Blog

Things your home insurance won’t cover

All too often homeowners get complaisant because they think that home insurance protects them from everything. If you haven’t read your home insurance policy, you are in for a shock. At Harris Insurance in Jasper, AL, we work with our customers to make sure that they have the proper coverage. As independent insurance agents, we work for our customers and support their best interests. 

Home Insurance Exclusions


Floods are a dangerous, common, and costly natural disaster. They are also not covered by traditional home insurance. If a pipe breaks in your home, that is covered, but if the water comes from the surface of the land, it will not be covered. You need to get a separate flood insurance policy provided by the NFIP. If you live in a flood plain, your mortgage lender will require that you get this important coverage. 

Sewer backup

Flooding is not something fun to think about, but sewer backup is even worse. And if that wasn’t bad enough, it is not covered by your home insurance. You can get a rider to your policy, however, that will provide that protection. 

Earth movement

Earth movement covers several different types of peril. It includes earthquakes, mudslides, landslides, and sinkholes. None of them are covered by home insurance. You can however get insurance to cover them if they are a concern that you want protection from. 

Owner neglect

As a homeowner, it is your responsibility to maintain your home. You are responsible for making sure you replace things like your roof before they damage your home. It is your responsibility to make sure that you don’t get termites or other critters with treatment before they become an issue. 

Consult With Us

Contact Harris Insurance in Jasper, AL if you have questions about what is and isn’t covered by your home insurance. 

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Harris Insurance

806 Hwy 78 W
Jasper, AL 35501

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