What Is Not Covered By Home Insurance? 
It is always best to talk with your Insurance Professional about the specific terms , conditions and possible limitations of your policy . However , there are usually two specific perils that are excluded from coverage under a Homeowners policy . One exclusion is damage caused by earth movement . These can include things like earth quake , sink hole and the like . This exclusion may be removed by the addition of an endorsement . The other common exclusion is damage causewd by a flood . This exclusion may not be covered by endorsement to your policy but only by the purchase of a sep -LSB- arate Flood Insurance policy . 