What is typically not covered under a Home Insurance policy?

Although there can be various inclusions depending on the kind of policy you go for but common exclusions include:
• Deliberate destruction of property
• Loss or damage caused by war, wear and tear, atmospheric conditions etc.
• Losses if home has been unoccupied for more than 30 days (but few insurer do provide cover)
• Loss of cash, bullion, painting, works of art, and antiques
• Loss to the structure and/or contents of home due to acts of terrorism. (can be covered as an add-on)

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