Typically, earthquake or flood damage to your home or its contents is not covered by standard homeowners insurance.
Damages brought on by mudslides, landslides, sewer or drain backups, or surface water are also excluded. Additionally, nuclear accidents and acts of war are typically not covered by insurance policies.
Damage to a vehicle, property used for a home-based business, or injuries to or deaths from family pets are typically not covered by standard home insurance policies.
However, pets and business equipment are covered by many major insurers’ standalone policies or endorsements.
Certain belongings, such as antiques, collectibles, guns, and jewelry, typically have coverage caps imposed by homeowners insurance policies.
Talk to your insurance agent about valuable items coverage if you have expensive items.
