Losses caused by certain situations are excluded from coverage.
Common exclusions:
- Wear and tear, deterioration, color transfer, fading, creasing
- Water damage from sewer/drain backup, groundwater, or flood in FEMA zones A or V
- Theft without robbery, vandalism, or malicious mischief
- Mysterious disappearance or unexplained loss
- Earth movement (earthquake, landslide, sinkhole)
- Pet, rodent, bird, or insect damage
- Work done on the item (repair, cleaning, restoration)
- Items stored outdoors, below grade, or without a smoke alarm (special rules apply to items over $2,000)
- Voluntary parting due to fraud or trickery