What are Coverage Exclusions in Homeowners and Auto Insurance? (Video)

by | March 27, 2024

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Insurance policies often explicitly state what they will not pay for. These are known as coverage exclusions. It is important to understand your policy’s exclusions to avoid any surprises when filing a claim. Some examples include floods, earthquakes, and acts of war in homeowners’ insurance and normal wear-and-tear, racing damage, or business use for auto insurance.

It is essential to read and understand the policy documentation provided by your insurance company. This documentation will outline all the exclusions specific to your policy. If you have any questions or need help identifying any coverage gaps, reach out to your insurance provider for assistance. They can provide you with the necessary information and help you make informed decisions about your coverage.

Further Reading

Insurance coverage should not be considered bound unless/until written verification is received from an authorized representative of American Church Group or Bitner-Henry Insurance Agency. Email transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses.