What does Florida Homeowners insurance not cover?

When a disaster hits your Florida home, your homeowners insurance should be there to help you. Luckily most of the time, it does its job and it does. However, we all know homeowners insurance does have its limits.  Many people do not know what is and isn’t covered by their policy. Due to this, they will mistakenly assume their insurance will cover their damage. Read below to find out how to find an affordable Florida homeowners insurance quote.

Did you know that, according to https://floridainsurancequotes.net/florida-homeowners-insurance/, 80 percent of people are not aware that flooding is not covered by their home insurance policy? Below are the top four hazards that are not covered in your Florida home insurance.


There are over 1,000 different types of mold in the United States. A breakout of mold in your home, is disgusting, yes, but it is also a health risk! You can experience symptoms similar to allergies or difficulty breathing. Despite this, a standard policy will limit coverage for mold damage or will exclude, no in-betweens.  You may find that some insurers will offer to expand your coverage for mold claims.

Sewer Backup

All of Americas sewer lines are aging so quickly. Some sewer lines are over 100 years old. More of these homes haven’t connected to out of date sewer lines, therefore experiencing a sewer back up to follow. Other sources of backups that can happen in your home are stormwater and raw sewage. They can become blocked in rainstorms and be blocked from tree roots that will make their way into sewer crack lines. When a home experiences a sewer back up, it will damage floors, walls, your precious furniture, and all electrical systems. A standard home insurance plan does not cover this.


Before collecting a Florida Homeowners insurance quote, be sure to know that sinkholes aren’t covered. Sinkholes are scary. Did you know in 2013 a man was swallowed by a sinkhole? Sinkholes can be described as  gaps in the earth that happen after groundwater dissolves rock. Most home insurance companies will not cover damage such as sinkholes and earthquakes.

Termite Infestation

Finally, your home insurance policy in Florida from https://floridainsurancequotes.net/florida-homeowners-insurance/ will not cover a termite infestation. Hundreds of millions of termites can quietly ruin your home. Wood, paper, and dead plant materials that are in current contact with soil near your home will provide termites with a reliable food source.

Take your time collecting a Florida homeowners insurance quotes. Be sure you know what is and isn’t covered by your policy. When the time comes to make a claim, you will be sure you are covered. Get a quote now!