{"id":426,"date":"2025-02-28T04:00:00","date_gmt":"2025-02-28T10:00:00","guid":{"rendered":"https:\/\/www.insureyourtoy.com\/blog\/?p=426"},"modified":"2025-02-18T12:44:11","modified_gmt":"2025-02-18T18:44:11","slug":"what-are-common-policy-exclusions-to-a-standard-home-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.insureyourtoy.com\/blog\/what-are-common-policy-exclusions-to-a-standard-home-insurance-policy\/","title":{"rendered":"What are common policy exclusions to a standard home insurance policy?"},"content":{"rendered":"<p>When it comes to home insurance, we spend a lot of time educating clients about what is covered by a standard policy. In this article, we at Peter Laczko Insurance Inc. in Woodstock, GA, feel it is equally important to know what is not covered in a standard homeowner insurance policy.<\/p>\n<h2>Policy Exclusions<\/h2>\n<p>When reviewing your home insurance policy paperwork, policy exclusions (things not covered in your home insurance policy) are listed in the &quot;exclusions&quot; section of your policy documents. They list the situations and certain events that are not covered by your home insurance policy. It is vital to be aware of what&#8217;s excluded so that you can be knowledgeable about potential gaps within your policy coverages.<\/p>\n<h2>What is excluded from a standard home insurance policy?<\/h2>\n<p>Common policy exclusions on a standard home insurance policy include the following:<\/p>\n<ul>\n<li>Earthquakes, landslides, sinkholes, and other forms of earth movement.<\/li>\n<li>Water damage from leaks, floods, and sewer backup.<\/li>\n<li>Normal wear and tear and damage from lack of adequate maintenance.<\/li>\n<li>War and nuclear hazards.<\/li>\n<li>Government actions.<\/li>\n<li>A covered peril does not cause wet rot and mold.<\/li>\n<li>Pest infestation damage by birds, rodents, termites, and insects.<\/li>\n<li>Damage from power surges that your utility company caused.<\/li>\n<li>Home-based business liability.<\/li>\n<\/ul>\n<p>It&#8217;s important to note that just because some things are excluded from a standard home insurance policy doesn&#8217;t mean you can&#8217;t purchase additional coverage for &quot;some&quot; of those circumstances, such as flood or earthquake coverage.<\/p>\n<h2>Give us a call today!<\/h2>\n<p>We are here to help you learn more about home insurance policies and what is covered and is not covered by a standard policy. Call Peter Laczko Insurance Inc. in Woodstock, GA, at (678) 833-2860 or toll-free at (888) 883-1650.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to home insurance, we spend a lot of time educating clients about what is covered by a standard policy. In this article, we at Peter Laczko Insurance Inc. in Woodstock, GA, feel it is equally important to know what is not covered in a standard homeowner insurance policy. Policy Exclusions When reviewing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[82,83],"class_list":["post-426","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-peter-laczko-insurance-inc","tag-woodstock-ga"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/posts\/426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/comments?post=426"}],"version-history":[{"count":1,"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/posts\/426\/revisions"}],"predecessor-version":[{"id":427,"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/posts\/426\/revisions\/427"}],"wp:attachment":[{"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/media?parent=426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/categories?post=426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insureyourtoy.com\/blog\/wp-json\/wp\/v2\/tags?post=426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}