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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.