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

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

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

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

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

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

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.

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

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

Any health issues that were present before the commencement of the policy are usually not covered.