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3462 Monroe Ave
Pittsford, NY 14534

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Things home insurance won’t cover

Owning a home is a big step and it comes with some risks. Home insurance offers protection against many of the obvious risks. But you need to understand that home insurance has some exclusions, things it won’t cover, and it is up to you to get additional coverage if it feels right. At Bajorek Agency Inc in Rochester, NY, we work with our customers to customize a perfect home insurance policy for them and their homes. 

Things home insurance won’t cover

Owner neglect

Insurance companies have an expectation that homeowners will maintain their homes. If you have a claim for something that results from owner neglect, your insurance company will refuse to pay. Under owner neglect are things like rodent infestation, mold, termites, and carpenter ants.  If you have these issues, it is expected that you should have treatment to prevent them from happening in the first place. 

Wear and tear

Things like a roof or a furnace have an expected lifetime. They will wear out and your roof may fail or your furnace stop working. These types of damage are not covered. It is up to you to replace them before they cause excessive damage. 


Floods are one of the most destructive natural disasters. If the reason for the flood is surface water, it is not covered. The good news is that you can purchase flood insurance through the NFIP and if you are concerned, you may want to do it. 

Earth Movement

Most earth movement is excluded from your standard home insurance policy. This includes earthquakes, sinkholes, mudslides, and landslides, 

Sewer backup

If a sewer backs up into your home, it is disgusting, and even worse, it isn’t covered. You will be responsible for any cleanup and repair.

Contact Bajorek Agency Inc in Rochester, NY with any questions you have about home insurance. 

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