Exclusion

An exclusion is a specific peril, item, or scenario that is explicitly not covered by your insurance policy. Standard HO-3 forms contain several ‘Hard Exclusions,’ such as damage caused by floods, earthquakes, nuclear hazards, or long-term neglect. To protect your home, you must read the exclusions section of your policy carefully. If you live in a high-risk zone for a specific excluded peril, you will need to purchase a separate policy or a specific endorsement to close the gap.