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McCluskey Insurance Services, LLC

9162 Union Cemetery
Cincinnati, OH 45249

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Things that home insurance won’t cover

Home insurance covers lots of things, but unfortunately, it doesn’t cover everything. You need to know exactly what isn’t covered so that you will be able to get additional insurance if you need it.  At McCluskey Insurance Services LLC in Cincinnati, OH, we are independent insurance agents and can offer our customers choices. 

Home Insurance Exclusions

Wear and tear

Things that you use every day, like your refrigerator and hot water heater get old, they wear out and stop working. This is not something that is covered by your home insurance. You can buy insurance for appliances and other things in your home. 


Termites can destroy your home. This is an area that you are required to deal with before you end up with a serious problem. Treatments are available to stop or control a termite infestation. As the homeowner, it is your responsibility to make sure that termites don’t destroy your home with preventative intervention. 


Mold is not only a danger for your home, but it is also dangerous for you, and it usually isn’t covered. Check your policy. 

Earth movement

Earth movement refers to things like an earthquake, a sinkhole, mudslides, and landslides. If you have concerns, you can purchase a separate policy for this coverage. 


Floods cause a lot of damage, but your typical home insurance policy excludes them. You can get a separate flood insurance policy, and if you live in a flood plain, your lender will probably require that you do that.

Acts of War/Terrorism

War, including undeclared war, civil war, insurrection, rebellion, or revolution. While acts of terrorism are not specifically referred to, it is something that may be up for debate when it comes to filing a claim. 

More Questions? Give Us A Call

Contact McCluskey Insurance Services LLC, serving the greater Cincinnati, OH community, for all your home issuance needs. 


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