We often talk about what is included in a homeowner’s insurance policy but knowing what is excluded is also important.

Here is a list of what is not included in your policy.

1. Flood damage
2. Neglectful damage
3. Intentional damage
4. Nuclear accidents
5. Earthquake damage
6. Landslides, mudslides, and other earth movement
7. Normal wear and tear
8. Terrorist attacks and acts of war
9. Pest infestations