Things home insurance won’t cover

Protecting your home is one of the most important things you can do for your financial security. Homes are one of the largest investments most people make, and it provides a home and a way to increase your wealth. Having the right insurance, one that offers enough coverage to protect your assets, is vital. Your trusted independent insurance agent can make sure you are correctly insured. In San Jose, CA, Bayshield Insurance is committed to making sure our clients have the right insurance products for their needs and that we are there to answer any questions they have.

Owner neglect

When you own a home, it comes with a lot of work. It would be best if you made sure the exterior and interior are maintained, you do safety checks, and you make sure any pests that may damage your home are dealt with. Your insurance company has the expectation you will do all of these things. If you don’t, and you file a claim, you will be disappointed. 

Sewer backup

What could be more disgusting than a sewer backup? Not much! Imagine your insurance rejects your claim, and that is even more disgusting. This can be solved simply by adding a sewer backup rider to your policy. 


Flooding is one of the most damaging natural disasters, and it happens all over the country. According to FEMA, even one inch of water in your home can cause more than $20,000 in damage. The bad news is, home insurance does not cover flooding. The good news is you can buy a flood insurance policy to protect both your home and your contents. 

Earth movement

This includes earthquakes, mudslides, and sinkholes, and none of them are covered. Again, you can buy a separate policy to cover this hazard. 

Contact Bayshield Insurance in San Jose, CA for all your home insurance needs.