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2800 Shallowford Rd NE
Bldg A Ste B
Atlanta, GA 30341

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Featured Insurance Blog

Things home insurance won’t cover

Home Insurance for Peaceful Living

Owning a home in Atlanta, GA, can be stress-free when a well-planned home insurance policy protects you. At the Rob Hill Insurance Group, we dedicate ourselves to guiding our clients in understanding what their home insurance covers and things outside its purview.

What’s Not Covered By Home Insurance?

Wear and Tear

It’s an inevitable fact that things depreciate over time. Your home appliances, house paint, and HVAC systems will not stay in their prime forever. When they eventually fail, home insurance won’t cover the replacement costs.

Owner Neglect

As homeowners, we hold a responsibility for house maintenance. Excluding a genuine crisis, your insurance will not cover damage due to sidestepping routine maintenance (like termite control for termite-prone areas or roof cameras).

Earth Movement

Earthquake, landslide, mudslide, or sinkhole – if the earth moves underneath your home causing damage, this is not typically covered.


Damage from flood water that enters your home isn’t covered. You can purchase flood insurance from the National Flood Insurance Program (NFIP) to protect your home from floods.

Expensive Art or Jewelry

Limitations apply to the amount of home insurance coverage for high-value items like artistic works or precious jewelry. To provide them adequate protection, include them under a separate rider.

Make the Right Choice with Rob Hill Insurance Group

When picking the appropriate home insurance coverage, let our experts at Rob Hill Insurance Group in Atlanta, GA, guide you. You’ll secure a strong peace of mind with us, knowing a well-structured policy protects your home.