Homeowner’s Insurance May Not Cover Theses

Homeowner’s insurance


Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected.

Here are a few things not covered under a standard home insurance policy.

Business Activities

If you run an in-home business, your homeowner’s insurance will not cover the liability arising out of running your business. Homeowner’s insurance will also not cover damaged property owned by the business. We recommend you purchase a business owners policy.

Your Sewer Backed Up

Torrential downpours could cause sewer backups into your drains and basements, causing thousands of dollars in damage. Most sewer backups, however, are not covered under a standard policy, nor are they covered by flood insurance. The good news: You may be able to purchase a separate rider for protection.

Certain Dog Breeds

Certain dog breeds are also sometimes not covered under your homeowner’s liability insurance. While the list varies by insurance carrier, breeds that are large or thought to be aggressive—like pit bulls, Rottweilers and German shepherds may not be covered under your policy.


All homeowner’s insurance policies do not cover damage resulting from flood. You will need to obtain coverage through the Federal Flood program.

Wear & Tear

Insurance is designed to cover unexpected accidents. If your carpet is worn out, that does not constitute a covered claim.

ATV, Boats And Other Motorized Equipment

Recreational equipment such as an ATV used in your own backyard is not covered. If you take that same ATV off of your property and sustain a loss it is also not covered under your homeowner’s insurance. These items require separate insurance and we can provide you with options.

Items You Borrow

If you borrow your neighbor’s boat for the day and damage it, your insurance may not the pay for the damage or liability. The same would hold true if you lent your boat to your neighbor. Your boat insurance would be the policy that responds, if you had one.

Please call our office today if you need to make any changes in your insurance program. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

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