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Holyoke, MA 01040


25Jan. 2017

6 Surprising Things That Aren’t Covered By Your Massachusetts Homeowner’s Insurance Policy

When you bought your home - and the insurance policy to go with it - you probably thought you were covered from anything that could happen. You don’t want to file a claim, but it’s good to know you have coverage if you need it.

Then your basement floods from a backed up sump pump or you find out your home is crawling with termites, and when you call your insurance agent, you get the bad news. Those things aren’t covered in a standard Massachusetts homeowner’s insurance policy. Check out several surprising issues that aren’t covered so you can prepare before the worst happens.

Earthquakes and Ground Movement

If an earthquake, landslide, or sinkhole hits your home, don’t expect your insurance policy to pay the claim for the damage. The good news is that you can buy additional coverage for earthquakes, landslides, and sinkholes so you know you’re covered if the ground starts to move under your feet. Note: In Florida and Tennessee, optional sinkhole coverage is automatically offered.


Flooding from big storms, overflowing rivers, and other disasters isn’t covered unless you purchase flood insurance through the National Flood Insurance Program. Even if you don’t live in a high-risk flood zone, you’ll still want to get this protection.

Sewer Backups

If you thought that sewer backups and overflowing sump pumps were in the same category as burst pipes, think again. In a standard policy, you’ll be the one coming out of pocket for this. The good news is that water backup coverage is available to add on to your homeowner’s insurance policy.


Mold is a trickier thing for insurance claims. If the mold occurs as the result of a burst pipe that you worked to fix or stop as soon as you found it, your home insurance policy will likely cover it. But most mold damage happens from lack of maintenance or a long-term leak or other problem that goes unfixed. This isn’t covered by your insurance because the mold was from lack of maintenance and not from an accident.


Think rodents, termites, and other creepy-crawlies. If your skin is crawling at the thought of an infestation, you’re not alone. Unfortunately, your homeowner’s insurance policy isn’t going to cover any of the damage they can bring with them. Infestations are preventable through basic home maintenance. You may want to talk to a pest control company who can usually offer some type of maintenance and protection package.

Relocation Expenses

Major storms, fire damage, and accidents that cause you to flee your home are often covered by your policy and, many times, they'll also cover your basic living expenses while your home is being repaired. However, there is usually a limit to what your insurance company will be willing to pay out during this time - so don't think that you'll be living it up at a luxurious hotel for a few weeks while the repairs to your home are being made.

If any of these non-covered events surprised you, give us a call to find out exactly what your home insurance covers and what it doesn’t. While you’re at it, make sure you purchase the add-ons and extra coverage you need so you have one less thing to worry about.

We’ll be glad to go over your current policy and suggest additional coverage to give you the peace of mind that you deserve.


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