Things home insurance won’t cover

Home insurance is a very valuable type of coverage. Your home is such a significant investment, and you need to feel secure in the protection you have against a multitude of hazards. At Focus Insurance in Eureka, MO, we make sure that we provide you with the information you need to feel comfortable with the home insurance you are getting. But we also encourage you to read your policy to be aware of any exclusions. 

Earth movement

It isn’t a good thing if you feel the earth move under your feet. Earth movement is excluded from your home policy, whether a sinkhole, a landslide, or an earthquake. If it damages your home, your home insurance won’t pay to repair the damage. 


Floods are one of the most devastating natural disasters, and they are becoming more common every year. They are not covered by traditional home insurance, and you need to purchase a separate policy from the NFIP if you have even the slightest worry that your home could be damaged. 

Owner neglect

Owner neglect may be something you have never thought much about when it relates to your home. But, if you haven’t been treating your home for termites and get termites, the damage is your fault, and your home insurance won’t pay for the repairs. You need to keep your home in good repair at all times. It’s your responsibility. 

Damage due to war or nuclear hazard

These are the extremes and something that most people never even think about, but in the world we live in today, it is good to know at least what is covered and what is not. 

Contact Focus Insurance in Eureka, MO to talk to a member of our experienced team about home insurance coverage and exclusions.