Uninsured activities, also known as exclusions, are risks that insurance companies will not cover, so you will need to be prepared to get additional coverage:
Home-sharing: If you use your home as an Airbnb, this will require separate insurance
Criminal activities: If you purposely damage your home to file a claim (fraud) or, intentionally injure someone on your property that is a criminal offense and any would be denied.
Moral risk: when your home is not being properly taken care of, or disregarding measures to protect your home and expecting the insurance company to replace stolen or damaged items.
Business use: If you are running any type of home-based business, that will require separate coverage, no matter how small it may seem.