Financial Protection flipbook 2024

Typical exclusions Flood Vacancy Earthquake Sewer backup Nuclear or radiological accidents Sinkholes (damage to land on which a home sits) Environmental contamination Mold remediation (unless it results from a covered event) Normal deterioration/neglected maintenance Intentional damage (by policyholder or family member) Liability or losses related to business activities Damage caused by pets or other animals Dig into the Details A number of perils are typically excluded from standard policies. In some cases, you may be able to purchase additional protection through endorsements (e.g., for sewer backups and sump-pump failure) or specialized policies. Specific exclusions differ significantly by region and even from one policy to the next, so read your documents carefully.