What Are Common Exclusions For Homeowners Insurance? 
The two most common exclusions found in Homeowners insurance policies have to do with damage caused by two elements : earth and water . An exclusion for damage caused by earth movement is pretty common . Earth movement can be anything from earth quake , to sink hole or erosion or the like . In many cases , coverage for this may be able to be endorsed onto your policy . Coverage for damage caused by flood is a common exclusion and this protection is only available by purchasing a Flood Insurance policy . 