If a tree falls through the roof of your house, your home insurance policy will pay for repairs. If a fire burns your home to the ground, you’re likely covered. So too, if your German Shepherd nips a neighbor’s leg, your television is stolen, or a gusty windstorm breaks your windows, your insurer will usually pick up the tab. The problem is, most people leave these circumstances to chance. They seldom (if ever) review their policies to check for items that may not be covered.
You might be surprised to discover your home insurance policy lists several exclusions for which your insurer refuses to pay. Keep in mind every insurer treats exclusions differently. If yours refuses to cover something, it may be time to look for another provider. With that in mind, here are six common exclusions that may be listed on your policy.