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Atlas Insurance Agency

520 E. 4th Street
Royal Oak, MI 48067

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Things your home insurance won’t cover

Owning a home is the American dream. It does come, however, with an increased level of risk. Your home insurance is what helps to mitigate some of the risks you are living with. You probably feel pretty safe with your home insurance protecting you. Some risks, however, are not covered by your home insurance; they are listed in the exclusions on your policy. At Atlas Insurance Agency in Southeast Michigan, we have helped thousands of people to find the right insurance for their needs. 


Floods are catastrophic natural disasters. They cause an immense amount of devastation every year. When rivers, streams, and the ocean rises and rolls over the land, there isn’t any way to avoid the damage. If you are counting on your home insurance to protect you, you will be disappointed. Floods are not covered by home insurance. Luckily, you can buy flood insurance, and if you live somewhere with flood potential, it is a necessity. 

Mold and mildew

Mold and mildew are some of the things that your home insurance may not cover. What will determine the coverage is the cause of the mold and mildew. To be covered, it must be caused by a hazard that the policy covers. So if it is caused by flooding, it won’t be covered. 

Earth movement

Most people think of earthquakes when they think of earth movement. But there are several other types of earth movement that are also excluded by home insurance. You won’t be covered for a sinkhole on your property or a mudslide. You can, however, buy a policy to cover it. 

Sewer backup

This is a nasty thought, but it isn’t covered without a special endorsement on your home policy. 

Contact Atlas Insurance Agency in Southeast Michigan when you require home insurance.