Things that aren’t covered by home insurance

Home insurance offers you the protection you need to sleep at night. Buying a home is probably the largest purchase you will ever make in your life. It makes sense to ensure you have enough coverage and the right kind of coverage to protect that investment. At Maanen Insurance Group in Greeley, CO, our team has the knowledge and experience you need to get the right policy for your needs.

Earth movement

Earth movement is not just one thing. It means earthquakes, sinkholes, mudslides, and landslides. All of these are excluded from a traditional home insurance policy. If you live in an area where any of those pose a risk, you can purchase the additional coverage to give you the protection you need. 


Floods are one of the most costly and damaging of natural disasters. They can happen almost anywhere. Unfortunately, floods are not covered by traditional home insurance. Flood insurance is provided by the NFIP (National Flood Insurance Program). It can be purchased in two parts, one for the structure and one for the content. 

Owner neglect

Maintaining your home is something that the insurance company expects you to do, and they will not pay for any damage that results from your not keeping things in good shape. They will also not pay for the results of wear and tear. If your roof is old and leaks, it will not be covered. If your home gets termites, they will not be covered; you are expected to get treatment before they cause damage. 

Sewer backup

A sewer backup is one of the most disgusting things that can happen to your home. Even more disturbing is the fact your home policy doesn’t cover it. 

Contact us at Maanen Insurance Group in Greeley, CO for all your home insurance needs.