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

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

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

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

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

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

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

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

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