What Will Homeowners Insurance Not Cover? 
These days , most policies list coverage exclusions and generally speaking , if something is not on that list , it 'll be covered . There are a couple of specific exclusions that you will find everywhere regardless of the company and state namely Flood and Earth Movement . In many cases , a policy can be endorsed to include damage by earth movement , but the only way to get flood damage protection is by purchasing a Flood Insurance policy . 