Home insurance protects your property in the event of an emergency or theft. However, there are some things agencies won’t cover, depending on your plan. To make sure that you know exactly what you’re protected from, Alcorn Insurance Agency in Chama, NM, recommends speaking with your insurance agent and requesting all details in writing. With over 35 years of experience, their independent insurance agency has provided the community with affordable coverage for their homes, businesses and automobiles.

What’s Not Covered by Home Insurance

1. Earthquakes 

Unless your insurance agent tells you that you have earthquake coverage, you’re not eligible to receive money for repairing or restoring your home after an earthquake. Typically, areas that are earthquake-prone will offer clients some form of coverage.

2. Mold

Since mold is a naturally occurring fungus that can be prevented, home insurance does not cover mold damage. If you notice signs of mold damage, contact a mold remediation team and ask how to avoid growth in the future. 

3. Terror

Unfortunately, an unexpected terrorist attack will not be covered by most insurance plans. Terrorism insurance is available, but if you don’t want to purchase it, you can simply pay for damage caused by explosion, fire and smoke to protect yourself.

4. Sewage

Another preventable event, a sewer or septic line backup issue will not be covered by insurance. You can add sewage insurance to your plan, but you should also schedule regular cleanings and inspections to prevent the act from occurring in the first place.

Because these events are sometimes referred to as “acts of God” or dependent on living in a certain place, they aren’t covered by many home insurance agencies. To learn more about Alcorn Insurance Agency, call (575) 756-2197 or visit them online for an overview of their plans, including insurance for automobiles, homes, businesses and RVs.