What does home insurance not cover?

Home insurance policies vary from one insurance company to another. As a general rule, however, home insurance excludes damage caused by flood, earthquake, lack of maintenance or pest infestation. But also normal wear and tear, intentional damage and high-value items exceeding insurance limits.

What are insurance exclusions?

Insurance exclusions are categories of damage or risks that are not covered by your home insurance policy. However, additional endorsements and coverage can be added to home insurance contracts.

What is civil liability in home insurance?

Liability coverage protects you against possible legal action due to accidental injury or property damage. This coverage includes legal fees and medical expenses.

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