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Alpine Ridge Insurance

101 D St NE
Auburn, WA 98002

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Alpine Ridge Insurance Blog

Home Insurance 101: What’s Not Covered?

If you’re a homeowner in Auburn WA, you probably have home insurance. But what exactly does your home insurance cover? — what doesn’t it cover? Alpine Ridge Insurance has answers!

Home Insurance Exclusions

1. Pre-existing damage

Home insurance policies generally don’t cover damage that was present before you took out the policy. So, if your home already had some water damage in the basement before you bought your policy, don’t expect your insurer to foot the bill for repairs.

2. Maintenance and repair issues

Similarly, home insurance policies also typically exclude coverage for maintenance and repair issues. So, if a pipe bursts in your kitchen because you neglected to fix a leaky faucet, your home insurance policy probably won’t cover the resulting water damage.

3. Floods and earthquakes

Floods and earthquakes are two of the most common natural disasters in the United States—but they’re also two of the most excluded perils in home insurance policies. If you live in an area that’s susceptible to either one of these events, you’ll need to purchase a separate flood or earthquake insurance policy to be protected.

4. Termites and other pests

Termites and other pests are another common exclusion in home insurance policies. While some insurers offer limited coverage for termite damage, it’s typically only available as an add-on rider to your existing policy—and it generally comes with stringent limitations. As such, if you live in an area that’s prone to infestations, you may want to consider purchasing a separate pest control policy.

Contact Us Today

If you have any questions about what your Auburn, WA home insurance policy covers (or doesn’t cover), don’t hesitate to reach out to Alpine Ridge Insurance for clarification. If you need to make changes (like adding a rider or flood insurance), we are here for you.

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