{"id":5895,"date":"2022-03-20T11:56:31","date_gmt":"2022-03-20T11:56:31","guid":{"rendered":"https:\/\/www.propertypistol.com\/blog\/?p=5895"},"modified":"2022-03-21T06:30:42","modified_gmt":"2022-03-21T06:30:42","slug":"exclusions-in-home-insurance","status":"publish","type":"post","link":"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/","title":{"rendered":"Exclusions In Home Insurance"},"content":{"rendered":"\n<p><em>Natural or artificial calamities such floods or fire can cause extensive damage to your home which you bought with your hard earned money.<\/em> <\/p>\n\n\n\n<!--more-->\n\n\n\n<p>To protect against these contingencies, one must buy <a href=\"https:\/\/www.propertypistol.com\/blog\/why-a-home-insurance-policy-is-important-in-india\/\" data-type=\"URL\" data-id=\"https:\/\/www.propertypistol.com\/blog\/why-a-home-insurance-policy-is-important-in-india\/\">home insurance<\/a>. If you are planning on getting an insurance yourself, you must keep in mind that you get the best policy under affordable rates. For this, do\u00a0 a comparative &amp; thorough research and then choose one that suits your requirements. However, you must keep in mind that not even the best companies provide insurance against all types of damages. We\u2019ve listed a few common exclusions in home insurance below for your understanding.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#Exclusions_in_Home_Insurance_Policy\" title=\"Exclusions in Home Insurance Policy\">Exclusions in Home Insurance Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#1_Ground_movement_such_as_an_Earth_or_a_Land_slide\" title=\"1. Ground movement such as an Earth or a Land slide\">1. Ground movement such as an Earth or a Land slide<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#2_Damage_caused_intentionally\" title=\"2. Damage caused intentionally\">2. Damage caused intentionally<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#3_Aggressive_or_unfriendly_dogs_or_pets\" title=\"3. Aggressive or unfriendly dogs or pets\">3. Aggressive or unfriendly dogs or pets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#4_Insect_or_termite_Infestations\" title=\"4. Insect or termite Infestations\">4. Insect or termite Infestations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#5_Poor_maintenance_or_negligence\" title=\"5. Poor maintenance or negligence\">5. Poor maintenance or negligence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#6_Nuclear_hazards\" title=\"6. Nuclear hazards\">6. Nuclear hazards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#7_War_or_Government_action\" title=\"7. War or Government action\">7. War or Government action<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.propertypistol.com\/blog\/exclusions-in-home-insurance\/#Lastly\" title=\"Lastly!\">Lastly!<\/a><\/li><\/ul><\/nav><\/div>\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exclusions_in_Home_Insurance_Policy\"><\/span><strong>Exclusions in Home Insurance Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>There are various kinds of exclusions under home insurance policies. It largely depends on the company providing the policy. We\u2019ve listed down the most common ones below:<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Ground_movement_such_as_an_Earth_or_a_Land_slide\"><\/span><strong>1. Ground movement such as an Earth or a Land slide<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Earthquakes, sinkholes or other general ground moving phenomena induced damage is generally not covered under home insurance policy. However at select places it is allowed, where insurers specifically offer optional protection. Apart from this, you\u2019ll have to take separate coverage for specific disasters, which your insurer will help you find. For example, a different policy altogether can cover earthquakes, landslides, and other risks, such as mudflows and floods.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Damage_caused_intentionally\"><\/span><strong>2. Damage caused intentionally<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Home insurance policies do not cover any intentional damage or loss caused by you or any of your family member. This implies that if your rebellious teenager spray paints your house, insurance company won\u2019t pay to return the home to its less-cool color.&nbsp; The same goes for if you or a family member causes intentional damage or injury to someone else. The personal liability section of your policy covers certain&nbsp; legal and medical expenses due to accidental damage caused, but not if you intended to cause it.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Aggressive_or_unfriendly_dogs_or_pets\"><\/span><strong>3. Aggressive or unfriendly dogs or pets<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Although homeowners insurance typically covers medical and legal expenses arising of dog bites, dogs with a history of biting and certain dog breeds may be generally excluded from your policy\u2019s liability coverage. However, you can find various dog-friendly insurance companies that will ensure your pet.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Insect_or_termite_Infestations\"><\/span><strong>4. Insect or termite Infestations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Bedbugs, mice, termites etc are typically excluded from home insurance policies. From insurer\u2019s point of viev, ridding your place of infestations and fixing the damage left behind are part of maintaining your home. However, consequential damage may be covered, for example: A mouse bites through a wire causing short circuit &amp; an electric fir. .<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Poor_maintenance_or_negligence\"><\/span><strong>5. Poor maintenance or negligence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>In home insurance, this refers to negligence towards any foreseeable damaged. In other words, wear and tear, preventable leaks, and lack of routine maintenance issues are generally not covered under homeowners insurance.&nbsp; For example, a water supply pipe that leaks over the course of weeks or months and causes the furniture to rot. When its time to claim, your insurer would likely cite neglect as an exclusion to deny it.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Nuclear_hazards\"><\/span><strong>6. Nuclear hazards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Home insurance policies dont provide coverage for nuclear accidents. It\u2019s a bit irrelevant as most people wont need it. However, nuclear power companies need to provide their liability insurance to cover losses if you live within the affected area of a hazard.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_War_or_Government_action\"><\/span><strong>7. War or Government action<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Damage caused due to ongoing war, including government declared, undeclared war, civil war, nuclear war, or an anarchist insurrection on the nation\u2019s capital, isn\u2019t covered under your home insurance policy. Similarly, if a public authority damages or destroys your house or it\u2019s&nbsp; belongings, the home insurance policy will not pay to replace it.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lastly\"><\/span><strong>Lastly!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>While buying a home insurance policy, you must carefully read all the terms &amp; conditions. Needless to say that your home insurance cover needs to be reviewed periodically to ensure that your home insurance value is appropriate. The value of your property keeps on increasing with time, and so does the cost of constructing it.<\/p>\n\n\n\n<p>If you do not review your cover timely and increase\/decrease it accordingly, you will be putting yourself at big risk.&nbsp; If you see any coverage gaps, talk to your home insurer. You may include add-ons that will cost extra but will satisfy your requirements and potentially save a&nbsp; significant amount of out-of-pocket expenses.<\/p>\n\n\n\n<p style=\"font-size:12px\"><em><strong>Disclaimer:&nbsp;<\/strong>The views expressed above are for informational purposes only based on industry reports and related news stories. PropertyPistol does not guarantee the accuracy, completeness, or reliability of the information and shall not be held responsible for any action taken based on the published information<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Natural or artificial calamities such floods or fire can cause extensive damage to your home which you bought with your hard earned money.<\/p>\n","protected":false},"author":2,"featured_media":472,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[69],"tags":[271],"class_list":["post-5895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-realty-guide-news","tag-home-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Exclusions In Home Insurance - Real Estate Sector Latest News, Updates &amp; 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