Home > Exclusions
Knowing what your home insurance policy
covers and what it doesn't cover is
essential to feeling secure in the fact that
your insurance company will be there for you
when disaster strikes. This knowledge will
help you figure out if you need to purchase
additional insurance for the exclusions.
As described in the homeowners
basics section , and HO-1 policy covers 11
perils, and HO-2 policy adds six more, and
an HO-3 policy covers everything except the
exclusions stated in the policy. HO-3
policies are most common among homeowners.
A standard HO-3 policy contains the
following exclusions:
-
Pipe freezing in an unoccupied building.
-
Freezing, thawing, pressure, or weight
of water or ice on a fence, pavement,
patio, swimming pool, or dock.
-
Theft from a building under
construction.
-
Vandalism and malicious mischief for a
building vacant for more than 30 days.
-
Wear and tear including deterioration;
insect and rodent infestation; settling,
cracking, bulging, or expansion of
pavement, walls, or foundations; or
damage from domestic animals.
-
Flooding.
-
Earthquake.
-
Structures used for business purposes.
-
Intentional damage.
-
War.
-
Nuclear accident.
-
Cars, trucks, vans, motorcycles,
aircraft and boats with more than a
small motor.
-
Tenant property.
-
Animals, birds, and fish.
-
Losses from failure to protect property
after a loss.
