What isn't covered as part of my homeowner's policy?

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A: Standard exclusions on most homeowner policies include but are not limited to: Ordinance or law, earth movement, floods, off premises power failure, neglect or general wear and tear, war, nuclear hazard, and intentional loss. Some of these coverages (not all), can be added with separate endorsements or policies. Keep in mind that certain personal property is generally not covered by homeowners insurance including but not limited to: animals, birds or fish; motor vehicles and some motorized land conveyances, as well as the property of roomers, boarders or tenants.

Answered by Garrity Insurance

Please Note: This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, including American Commerce Insurance CompanySM (Cal. COA 4928-8), Citation Insurance Company^SM, The Commerce Insurance Company^SM, Commerce West Insurance Company^SM (Cal. COA 1372-2), MAPFRE Insurance Company^SM (Cal. COA 3039-5), and MAPFRE Insurance Company of Florida^SM.

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