What Your Homeowner’s Insurance in St Charles, MO Does Not Cover

by | Mar 3, 2015 | Insurance

Having a homeowner’s insurance policy is incredibly important. If you have a mortgage, owners are required to reside in the home. While most people believe that all damages are covered under their policy, this is not true. Most homeowners do not find out what is and is not covered under their policy until something happens. If you have homeowners insurance in St Charles MO, it is important that you know what is not covered under the policy.


There are over 1000 species of mold in the Untied States. Mold can create blotches on the walls and cause serious health risks. Mold is formed by moisture that was not allowed to air out properly, and can be very expensive to treat. Most homeowner’s insurance policies do not cover the treatment of mold, and the ones that do offer very limited coverage.

Sewage Backups

Many sewer lines are over 100 years old. As more and more homes are built and added to these old lines, it creates risks for a sewer backup. Another cause of a backup is blockages from tree roots. They can work their way into the lines and crack them. If you do have a sewer backup in your home, it can damage your floors, walls, furniture, and the electrical system. Unfortunately, homeowner’s insurance policies do not cover sewage backups.


A sinkhole is a hole is the ground which opens up after the ground water has eaten away and dissolved the rock under the ground. Many people believe that sinkholes never occur, but they occur more than you may think. If your home was damaged due to a sinkhole, it would not be covered under your homeowner’s insurance policy.


Termites may look like small, harmless, insects. However, as a group, they are dangerous. Over time, termites can eat away at and destroy the support beams in your home, causing thousands of dollars in damage. Termite removal and the damages they create are not covered under a homeowner’s insurance policy.

When you purchase Homeowner’s insurance in St Charles MO, it is important to read the policy thoroughly. It is good to know ahead of time what your policy covers and what it doesn’t.

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