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251 N Milwaukee Ave, Ste 138
Buffalo Grove, IL 63366

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Illinois Insurance Blog

Things home insurance won’t cover

Having home insurance protects your investment from bad things that can happen. It doesn’t, however, protect you from everything. Your home policy has exclusions – things it won’t cover. At STARS Insurance in Deerfield, IL, we want to make sure that all of our customers have the right coverage for their needs. 

Home Coverage Exclusions

Owner neglect

When you buy home insurance, your carrier has an expectation that you will maintain your home. That means not letting your roof get to the point where it is leaking into your home. It also means that you should have a termite bond on your home if you live in an area where they are a risk. 


Floods cause millions of dollars of damage every year all over the country and it isn’t covered by your home insurance. The good news is that you can get coverage with a separate policy if you live where the risk to your home would keep you up at night. 

Earth movement

Earth movement includes earthquakes, sinkholes, mudslides, and landslides and the bad news is that none of them is covered. Again, if you have concerns, you can purchase the additional coverage that you require.


If your home has been invaded by mice, bats, squirrels, or any other pesky critters, you will have to pay to have them removed yourself. They are not covered by home insurance. 

Certain breeds of dog

When it comes to man’s best friend, your home insurance policy doesn’t find some breeds all that friendly. Several breeds are excluded from home insurance coverage. It is important you take that into consideration when getting a dog. If you have questions about whether your pet is covered, give your carrier a call.  

Get Home Insurance Today

Understanding home policy exclusions is important so you can use your home insurance coverage to seek protection for the assets it will cover. Contact STARS Insurance in Deerfield, IL if you would like us to review your current policy or if you are in need of home insurance.