What Are Common Exclusions For Homeowners Insurance? 
There are two basic approaches in designing a homeowners insurance policy . The first is to specify the perils that are covered . These almost always include fire . Only those perils mentioned are covered . The more popular policies today are all-risk meaning that the policy covers all perils except those that are excluded . The list of those excluded is not short ! Even though they arent excluded there are categories of property that have special limits . You should review those carefully . Then the excluded list includes things like , business activities -LRB- multi-level marketing , -RRB- motorized vehicles , animals -LRB- pets , -RRB- insects -LRB- termites , -RRB- aircraft , property of boarders , trees pants etc. , certain electronic devices , credit cards , EDP equipment that can not be replaced , There are also severe restrictions if the house is vacant , There isnt coverage for the weight of snow , continuous seepage or leakage , building settling , cracking etc. , birds , vermin , rodents , smoke . 