Things home insurance won’t cover

Sugar Land, TX is a great place to buy a home. It is one of the fastest-growing cities in Texas and lots of new development there means finding a home is easier than in some other cities. Your home is a major investment no matter where you buy it and making sure it is protected with the right home insurance is important. At Insurance Solutions of Texas, we have been in business since 1993 and we have the knowledge and experience to make sure you get the right insurance for your particular needs. 


Floods are something Texans are all too familiar with. When a storm or hurricane hits the Gulf Coast, waters rise. Floodwaters cause massive amounts of damage. If you live in a flood zone and have a mortgage, your lender will require you have flood insurance. Your home insurance will not cover flood damage caused by surface water. Busted pipes, yes, rising waters, no. 

Sewer back up

Nothing is more disgusting to think about than a sewer backing up into your home. It is disturbing to understand your home insurance will not pay for any damage that is caused by the sewer backup in your home. 

Land movement

Land movement includes a few different things. It includes earthquakes, mudslides, and sinkholes. All of them are scary to think about and not covered by traditional home insurance. 

Owner neglect

When you live in a warm climate, there are certain things you as an owner must do to protect your home. You must treat it for termites and other pests. You must make sure mold doesn’t grow in your home and you must keep your home in good repair. If you don’t, your home insurance will not foot the bill. 

When you are ready to update your home insurance, give Insurance Solutions of Texas in Sugar Land, TX a call for a no-obligation quote.