What is not protected by most homeowners insurance?

What is not protected by most homeowners insurance?

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won’t be covered.

What is not covered under homeowners insurance?

What is not covered? Destruction of property willfully. Damages to property due to wear and tear. Loss to property due to war.

Is my kitchen covered by contents insurance?

Insurance policies usually consider fixtures and fittings (for example a fitted kitchen or a bathroom suite) as buildings, while carpets are usually covered under contents insurance.