Let’s start by saying that every homeowners policy is different and every homeowners insurance carrier has different unique coverages… Basically there are NO absolutes here.
That being said there are seven perils that are not covered on any of the standard Basic, Broad or Special form homeowners insurance policies and those seven perils include:
1) Ordinance or Law
2) Earthquake
3) Flood
4) War
5) Nuclear Hazard
6) Wear and Tear
7) Intentional Acts
A couple of those including earthquake and flood you can buy coverage for. But the coverage does not come standard on most homeowners insurance policies.
Watch this video “What is NOT covered on my Homeowners Insurance Policy?” for more details:
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This is video #67 of a one hundred insurance video series that The Murray Group is producing to provide insurance consumers with quick, valuable answers to their everyday insurance questions.
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created by Ryan Hanley