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Losses resulting from the consumption of alcohol are typically not covered, such as DUI accidents.

Natural disasters like earthquakes, floods, and hurricanes may not be covered without special endorsements.

Losses as a result of war, military action, or civil unrest generally aren't covered.

Losses due to the gradual deterioration of an insured item are not covered.

Damage by insects, rodents, or other pests is usually excluded as a maintenance concern.

Floods and water backup from sewers or drains are generally not covered under standard policies.

Business-related losses or liabilities are not covered under personal insurance policies.

Damage caused by earth movement, like an earthquake, landslide, or sinkhole is usually excluded.

Losses arising from government or law enforcement actions are not covered.

Damage from nuclear reaction, radiation, or radioactive contamination is typically not covered.

Any damage that is caused on purpose by the policyholder is not covered.