Exclusions

Exclusions are provisions in your insurance policy that eliminate coverage for certain risks, property, or circumstances. Understanding exclusions is critical to knowing what protection you actually have.

Common Homeowner's Policy Exclusions:

Perils Excluded:

• Flood damage
• Earthquake damage
• War and nuclear hazard
• Government action
• Intentional damage

  Property Excluded:

• Motor vehicles (covered by auto insurance)
• Aircraft
• Watercraft over certain size
• Business property (limited)
• Animals, birds, fish

  Circumstances Excluded:

• Wear and tear
• Maintenance issues
• Pest and vermin damage
• Mold (often limited)
• Gradual deterioration

  Why Exclusions Exist:

• Some risks require specialized coverage
• Some risks are uninsurable
• Prevents moral hazard (intentional damage)
• Keeps premiums affordable

  Filling Coverage Gaps:

Many exclusions can be covered through:

• Separate policies (flood, earthquake)
• Endorsements (sewer backup, mold)
• Umbrella policies (additional liability)

  Reading Your Policy:

Always read the exclusions section carefully. If something isn't excluded AND is caused by a covered peril, it's generally covered.