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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Things that are excluded from home insurance coverage

When you buy home insurance it gives you a feeling of security knowing your house is covered for all the things that can go wrong. Well, almost all the things that can go wrong. Every home insurance policy has exclusions and knowing what they are, places you in the best position to find an alternative way to protect yourself. You can read your home insurance policy to see exactly what the exclusions are or you can talk to your insurance agent. In Albany, NY, NY Twin Bridges Insurance Agency is a full-service independent agency with access to more than 40 carriers allowing us to help you find the perfect policy to serve your needs. 

Owner negligence

Your home is your castle and you need to maintain your castle or your insurance company will probably drop your coverage. If you sustain damage due to not doing necessary upkeep or preventative measures, the insurance company is going to deny your claim. If they do an inspection of your house at renewal time or just a drive-by, they can require you to do the necessary work to make your home compliant with their requirements. 

Sewer back-up

It’s hard to imagine anything more disgusting than having a sewer back up into your house. To add insult to injury, home insurance doesn’t cover sewer backups. You can add the coverage to your primary policy however and you will be very glad you did if you ever need it.


As shocking as it may be, floods are excluded from home insurance. The federal government offers insurance you may purchase through the National Flood Insurance Program. It covers both your home and the contents. 

Contact NY Twin Bridges Insurance Agency in Albany, NY to discuss your home insurance needs. We will discuss what you can do to add the protection you need to cover the exclusion on your policy. 

Do I need auto insurance in Albany?

If you are a resident of the Albany, NY area, you will benefit from all of the great professional opportunities and local amenities. To ensure that you can enjoy these benefits as much as possible, you should invest in a car. When you are a car owner here, you will have a much easier time getting around. Along with a car, you should also get insurance for the car. You need this coverage for a couple of different important reasons.

State Will Require Coverage

Those that are in Albany and the rest of the state of New York do need to consider the state insurance requirements when shopping for coverage. Similar to rules in other areas of the country, New York does require that drivers carry liability insurance at all times. If you do not maintain this insurance, you will end up being penalized when you are caught. This could lead to a ticket, loss of license, and higher insurance costs in the future.

Lender Will Require Coverage

Many Albany car buyers will want to take out a loan when they buy it. If you do decide to finance your car with a loan, you will want to make sure that you understand the lender’s insurance rules. When you get a loan, the lender usually will require that you protect their collateral by getting a full policy that also includes collision and fully comprehensive coverage.

Car owners in Albany, NY basically always need to have auto insurance. If you would like to shop for a new policy in this area, it would be a good idea to speak with NY Twin Bridges Insurance Agency. At the NY Twin Bridges Insurance Agency, you will get the guidance and support needed to choose a policy that meets your needs.