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What is not covered by typical homeowner's insurance?

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Q:  What is not covered by typical homeowners insurance?

There is a wide variety of damages, conditions, and costs that are not covered by homeowner's insurance. For example:

Your claim exceeds your maximum stated coverage amount and you have no Replacment Cost Stipulations.

You have flood damage.

You have losses related to business activities in your home and you do not carry incidental business insurance.

Your claim is covered by other insurance.

Someone else who is intentionally insured under your policy caused your claim.

It is caused bu Nuclear means.

It is an Act of War.

It is an item that needed to be scheduled and was not, like:
    Jewlery
    Fur
    Artwork
    Camera Equipment
    Musical Instrument.

 

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 Long Island Home Insurance - What is not covered

 
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