Purchasing homeowners insurance should give you peace of mind that you have backup in case of a disaster, like theft or a lightning strike. But it won’t protect you from all mishaps. The following are events that standard homeowners insurance won’t cover. If you feel that you’re at risk for one of these things happening to your home, purchase a supplemental policy.


Mold isn’t something you want to live with because it can cause all sorts of health problems for you and your family. Your insurance company could cover mold if it grows as the result of a coverable event, like a burst pipe, but it won’t always. If you live in a damp climate and worry about mold growth, purchase separate coverage.


Often, lenders will require homeowners purchasing a house in a zone at high risk for flooding to buy flood insurance. However, if you are purchasing a home in a low-risk zone, doing so might not be a requirement. Keep in mind, though, that a quarter of claims made to the National Flood Insurance Program are from homeowners who live in low-risk zones.


Earth movement is not covered by standard homeowners insurance. If you live in an area that sees a lot of earthquakes, it’s best to purchase a separate policy.


If termites eat a hole in your roof or if a family of rats chews up your electrical system, a standard homeowners policy won’t cover you. The best way to handle a pest problem is to not let it become a problem in the first place. If you see pests hanging around, call in the experts right away. And if termites are in your area, schedule frequent inspections. By the time you notice termite damage, you can be sure you’re already dealing with a lot of unseen damage.


It doesn’t happen often, but if sewage backs up into your home, it can cause big problems. A supplemental sewage policy doesn’t cost much, and it’s a good idea to have this added protection.


Sinkholes fall into the same category that earthquakes do -- earth movement. And earth movement is not covered by standard insurance policies. Some states are more susceptible to sinkholes than others, so if you live in one of those states, purchase a separate policy. Even if most sinkholes don’t dramatically devour houses, they can cause cracks in walls and floors.

As always, if you have any questions about what’s covered under your homeowners insurance policy, please contact us. We’re always happy to help!

J.K. Olivieri Insurance Agency, Inc. is an independent insurance agency founded in 1979 which represents a number of major insurance companies. Our mission is to protect our clients’ financial future. We feel our role as an insurance agency is to assist our clients in selecting the best possible programs to fill their specific needs. In doing so, we shall research and present our clients with the best possible programs available at the best possible prices.


J.K. Olivieri Insurance Agency, Inc.
64 East Grove Street
Middleboro, MA 02346
Phone: 508-947-1818
Phone: 508-580-0781
FAX: 508-946-1162

Hours: 8:00am - 4:30pm M-F  

You can contact us at: This email address is being protected from spambots. You need JavaScript enabled to view it.


Holiday Hours:    

11/24/21       Thanksgiving                     Closing at 3pm

11/25/21       Thanksgiving                     Closed

11/26/21       Thanksgiving                     Closed

12/03/21       Office Christmas Party      Closing at 3pm

12/24/21       Christmas Eve                   Closed

12/31/21       New Year's Eve                 Closed