Things home insurance won’t cover

Gainesville, FL is a great place to call home. As the home of the University of Florida, it has all the good college town vibes that you could want. Making sure your Gainesville home has the right home insurance is important. Florida is a state that faces a lot of weather issues and being prepared with good home insurance is vital. In spite of doing your best, you can’t protect your home from everything. Some hazards are excluded from home insurance. At Peninsula Underwriters Insurance Agency, we work with our customers to make sure that they have the best possible coverage.


Floods are a natural disaster that is all too common. Floods are a hazard that Floridians are all too familiar with. Many people are shocked when they find out that home insurance won’t cover you for flood damage. You need to buy a dedicated flood policy to have the protection you need. 

Owner negligence

It is always important to keep up with the maintenance of your home, but in Florida, with the extreme heat and humidity, it is even more important. Mold can grow very easily if any dampness goes unattended. Bugs grow bigger and faster in Florida, having treatment for bugs and termites is important. If your home is damaged because you haven’t been doing what the insurance company expects in the way of maintenance, they won’t pay to repair the damage. 


All kinds of earth movements are excluded from home policies. In Florida, the most common are sinkholes. The sandy soil makes the entire state prone to these dangerous occurrences. You need to have a dedicated sinkhole policy if you want to feel safe. 

Gainesville, FL  is home to Peninsula Underwriters Insurance Agency. As independent insurance agents, we are able to offer you the most choices and more choices mean better rates. When you are ready, we will be here to help.