ⓘ Homeowners insurance rules differ by state — find your state guide →
Home› Guides›Exclusions
Topic Hub

Exclusions explained

6 in-depth guides · updated November 2026

Most claim denials are not disputes — they are exclusions printed on page 14. This section lists the gaps homeowners discover only after a loss: flood, earth movement, neglect, ordinance or law, and the business-use carve-outs.Flood is never covered by a homeowners policy — the NFIP alternativeOrdinance or law: the upgrade cost after a covered lossMold, pests and gradual damage exclusionsHome-based business equipment and liability gaps