Insurance companies reduce the risk to themselves by having exclusions in every contract. An exclusion is a specific threat that is not covered by your policy. Before you sign any kind of insurance contract, you should carefully and thoroughly read through the contract to make sure you have seen and understand all the exclusions listed. This will help you avoid any surprises later on. Find the exclusions listed in APOLLO's home insurance contracts below: Normal degradation of a property Wet rot, dry rot or fungi Pests and vermin Damage that occurs after a property has been vacant for 1 month Damage due to the purchaser's criminal activity Terrorism and war Nuclear incidents Damage done during refurbishment