Even Aviva's comprehensive building insurance has exclusions that cannot be covered even with add-ons. We have collected these exclusions into a list below so that you can quickly check if any exclusions would affect your home. Wet or dry rot Fraud when selling a home Degradation of buildings over time Storm damage to fences, hedges or gates Damage that happens when the house is unoccupied for longer than agreed in the policy Subsidence, heaves or landslips Claims against faulty construction work Claims against bad design Theft (unless there is deception or violence) Sea or river erosion Frost damage (except for damage to water pipes) Damage to stables or livestock housing