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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.
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