
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

Think before you loan your vehicles
Has your church or school ever been asked to loan one of your vans or buses to another? Brotherhood Mutual recommends that you do not make your...

Building Projects: A Crash Course for Insurance and Risk Management
Building projects are an exhilarating time of growth for an organization. Maybe you won a grant. Maybe you’ve been saving money for a long time. ...