What isnt covered under most homeowners and renters insurance policies?
The following items usually are not covered: motor vehicles; commercial buildings on your property or buildings you rent or lease to others except a private garage; pet injuries or damage to your property caused by your pets; and jewelry, coin collections, silverware, furs and other valuables, above speci.ed limits, that are particularly vulnerable to theft. Special riders or endorsements often can be added to your insurance policy to cover some these items. Additionally, many homeowners and renters policies do not cover perils such as nuclear accidents, earthquakes, war, floods, mud slides and certain acts of God. Audiotapes and discs kept in automobiles also may not be covered.
