There are a few things that Homeowner’s insurance might not pay for. These include flooding, insect damage, earthquakes, sewer backups, and other natural disasters. Homeowners insurance also might not mold, unless it came from a defect from your house, like your hot water heater flooding. If the nearby river overflows and your house gets mold, most homeowner’s policies don’t cover that.
Companies that give homeowners insurance are companies like Lemonade, USAA, Erie Insurance, State Farm, Amica, American Family, Nationwide, and Farmers Insurance